:root{--fmn-black:#000;--fmn-white:#fff;--fmn-gold:#C1A058;--fmn-emerald:#006B43;--mw:1200px;--r:10px;--g1:8px;--g2:12px;--g3:16px;--g4:24px;--g5:32px;--g6:48px}a{color:var(--fmn-emerald)}a:focus-visible{outline:2px solid #0B7A57;outline-offset:2px}.container{max-width:var(--mw);margin:0 auto;padding:var(--g5) var(--g3)}.section{padding:var(--g6) 0;border-top:1px solid #f0f0f0}.fmn-header{background:#fff;border-bottom:1px solid #f2f2f2}.fmn-header-inner{max-width:var(--mw);margin:0 auto;display:flex;align-items:center;gap:var(--g3);padding:var(--g2) var(--g3)}.fmn-logo img{height:38px;width:auto;display:block}.fmn-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:var(--g4);justify-content:center}.fmn-nav a{font-weight:600;color:#000}.fmn-phone{min-width:180px;text-align:right;font-weight:600}.fmn-hero{max-width:var(--mw);margin:0 auto;display:grid;grid-template-columns:1.2fr 1fr;gap:var(--g5);padding:var(--g5) var(--g3) var(--g3)}.fmn-hero__subhead{font-size:18px;color:#222;margin:0 0 var(--g3)}.fmn-badges{display:flex;gap:var(--g3);flex-wrap:wrap;padding:0;margin:0}.fmn-badge{list-style:none;background:#faf9f6;border:1px solid #eee;border-radius:999px;padding:8px 12px;font-weight:700}.fmn-form{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--g2);align-items:end}.fmn-field label{font-size:12px;font-weight:600;color:#222;display:block;margin-bottom:6px}.fmn-field input,.fmn-field select{width:100%;padding:12px;border:1px solid #ddd;border-radius:8px;background:#fff}.fmn-field--submit{display:flex;align-items:end}.btn{display:inline-block;padding:12px 16px;border-radius:8px;border:1px solid transparent;font-weight:700}.btn--emerald{background:var(--fmn-emerald);color:#fff}.btn--gold{background:var(--fmn-gold);color:#000}.fmn-modal{position:fixed;inset:0;display:none;align-items:center;justify-content:center;background:rgba(0,0,0,.6);z-index:9999}.fmn-modal[aria-hidden="false"]{display:flex}.fmn-modal__dialog{background:#fff;border-radius:10px;width:min(560px,92vw);padding:20px}.fmn-step2-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:8px;margin-bottom:12px}.pressstrip{padding:16px 0;background:#fff;border-top:1px solid #f6f6f6;border-bottom:1px solid #f6f6f6}.pressstrip__inner{display:flex;gap:24px;align-items:center}.pressstrip__logos{display:flex;gap:24px;list-style:none;padding:0;margin:0}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--g3)}.card{border:1px solid #eee;border-radius:10px;padding:16px;background:#fff}.card--step{position:relative;padding-top:28px}.card__step{position:absolute;top:12px;right:12px;width:28px;height:28px;border-radius:999px;background:var(--fmn-gold);display:flex;align-items:center;justify-content:center;font-weight:800;color:#000}.blog-carousel__track{display:grid;grid-auto-flow:column;grid-auto-columns:calc(33.333% - var(--g3));gap:var(--g3);overflow-x:auto;padding-bottom:8px;scroll-snap-type:x mandatory}.post-card{scroll-snap-align:start;border:1px solid #eee;border-radius:10px;padding:16px;background:#fff;min-height:220px}.fmn-ticker{position:fixed;left:0;right:0;bottom:0;background:#000;color:#C1A058;padding:8px 12px;z-index:9998;display:none}.fmn-ticker__inner{max-width:var(--mw);margin:0 auto;display:flex;gap:12px;align-items:center}.fmn-ticker__items{flex:1;white-space:nowrap;overflow:hidden}.fmn-ticker__items span{display:inline-block;padding-left:24px}.fmn-footer{background:#fafafa;border-top:1px solid #eee;margin-top:var(--g6)}.article-wrap{max-width:var(--mw);margin:0 auto;padding:var(--g5) var(--g3)}.article__grid{display:grid;grid-template-columns:260px 1fr;gap:var(--g4);align-items:start}.toc__inner{position:sticky;top:88px;border:1px solid #eee;border-radius:10px;padding:12px;background:#fff}@media(max-width:900px){.fmn-hero{grid-template-columns:1fr}.fmn-form{grid-template-columns:1fr 1fr}.blog-carousel__track{grid-auto-columns:calc(50% - var(--g3))}.article__grid{grid-template-columns:1fr}}@media(max-width:600px){.fmn-form{grid-template-columns:1fr}.fmn-phone{display:none}.blog-carousel__track{grid-auto-columns:100%}}.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}