.exchange-rate-band {
  padding: 42px 7vw;
  background: #ffffff;
}

.exchange-rate-card {
  display: grid;
  grid-template-columns: minmax(0, 0.9fr) minmax(320px, 1.1fr);
  gap: 22px;
  align-items: stretch;
  max-width: 1180px;
  margin: 0 auto;
  border: 1px solid rgba(20, 28, 45, 0.12);
  border-radius: 8px;
  padding: 24px;
  background: #101820;
  color: #ffffff;
  box-shadow: 0 18px 44px rgba(20, 28, 45, 0.12);
}

.exchange-rate-collapse {
  max-width: 1180px;
  margin: 0 auto;
}

.exchange-rate-collapse .collapse-body {
  padding: 0;
}

.exchange-rate-heading h2 {
  margin-bottom: 12px;
  font-size: clamp(1.8rem, 3.4vw, 3.5rem);
  line-height: 1.05;
}

.exchange-rate-heading p,
.exchange-rate-note {
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.7;
}

.exchange-rate-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1px;
  align-self: stretch;
  border: 1px solid rgba(255, 255, 255, 0.12);
  background: rgba(255, 255, 255, 0.12);
}

.exchange-rate-grid article {
  min-height: 116px;
  display: grid;
  align-content: center;
  gap: 10px;
  padding: 18px;
  background: rgba(255, 255, 255, 0.07);
}

.exchange-rate-grid span {
  color: rgba(255, 255, 255, 0.66);
  font-size: 0.82rem;
  font-weight: 850;
  text-transform: uppercase;
}

.exchange-rate-grid strong {
  font-size: clamp(1.45rem, 2.4vw, 2.15rem);
  line-height: 1;
  overflow-wrap: anywhere;
}

.exchange-rate-note {
  grid-column: 1 / -1;
  margin: 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 14px;
  font-size: 0.9rem;
  font-weight: 700;
}

.exchange-service-panel {
  grid-column: 1 / -1;
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(320px, 1.18fr);
  gap: 1px;
  border: 1px solid rgba(255, 255, 255, 0.12);
  background: rgba(255, 255, 255, 0.12);
}

.exchange-admin-contact,
.rate-request-details {
  padding: 18px;
  background: rgba(255, 255, 255, 0.07);
}

.exchange-admin-contact h3 {
  margin: 0 0 8px;
  color: #ffffff;
}

.exchange-admin-contact p {
  margin: 0 0 14px;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.6;
}

.exchange-admin-contact dl {
  display: grid;
  gap: 8px;
  margin: 0;
}

.exchange-admin-contact dl div {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 8px;
}

.exchange-admin-contact dt,
.exchange-admin-contact dd {
  margin: 0;
}

.exchange-admin-contact dt {
  color: rgba(255, 255, 255, 0.62);
  font-weight: 850;
}

.exchange-admin-contact dd,
.exchange-admin-contact a {
  color: #ffffff;
  font-weight: 900;
}

.rate-request-details {
  color: #ffffff;
}

.rate-request-details > summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  font-weight: 900;
  list-style: none;
}

.rate-request-details > summary::-webkit-details-marker {
  display: none;
}

.exchange-request-form {
  display: grid;
  gap: 14px;
  margin-top: 16px;
}

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

.rate-request-grid label {
  display: grid;
  gap: 7px;
  color: rgba(255, 255, 255, 0.76);
  font-weight: 850;
}

.rate-side-toggle {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 8px;
  margin: 0;
  border: 0;
  padding: 0;
}

.rate-side-toggle legend {
  grid-column: 1 / -1;
  color: rgba(255, 255, 255, 0.76);
  font-weight: 850;
}

.rate-side-toggle label {
  position: relative;
  display: block;
  cursor: pointer;
}

.rate-side-toggle input {
  position: absolute;
  inset: 0;
  opacity: 0;
}

.rate-side-toggle span {
  display: flex;
  min-height: 44px;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 8px;
  color: #ffffff;
  background: rgba(6, 12, 20, 0.46);
  font-weight: 950;
}

.rate-side-toggle input:checked + span {
  border-color: rgba(16, 185, 129, 0.9);
  color: #072018;
  background: #67e8a5;
}

.rate-side-toggle label:nth-of-type(2) input:checked + span {
  border-color: rgba(248, 113, 113, 0.9);
  color: #2b0707;
  background: #fca5a5;
}

.rate-request-grid input,
.rate-request-grid select,
.rate-request-grid textarea {
  width: 100%;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  padding: 11px 12px;
  color: #ffffff;
  background: rgba(6, 12, 20, 0.54);
  font: inherit;
}

.rate-request-grid textarea {
  resize: vertical;
}

.member-shell .exchange-rate-band,
.utilities-shell .exchange-rate-band {
  padding: 0;
  background: transparent;
}

.member-shell .exchange-rate-card,
.utilities-shell .exchange-rate-card {
  max-width: none;
  margin: 0 0 24px;
}

@media (max-width: 860px) {
  .exchange-rate-band {
    padding: 28px 20px;
  }

  .exchange-rate-card {
    grid-template-columns: 1fr;
  }

  .exchange-service-panel,
  .rate-request-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 560px) {
  .exchange-rate-grid {
    grid-template-columns: 1fr;
  }
}