:root{--fm-primary:#0B3D91;--fm-primary-dark:#082B66;--fm-secondary:#F5A623;--fm-accent:#00A86B;--fm-dark:#0A1628;--fm-light:#F4F6F9;--fm-text:#1A1A2E;--fm-text-muted:#6B7280;--fm-border:#E5E7EB;--fm-white:#FFFFFF;--fm-heading-font:system-ui,Segoe UI,Ubuntu,Cantarell,Noto Sans,-apple-system,'Segoe UI',Roboto,sans-serif;--fm-body-font:system-ui,Segoe UI,Ubuntu,Cantarell,Noto Sans,-apple-system,'Segoe UI',Roboto,sans-serif}body{font-family:system-ui,Segoe UI,Ubuntu,Cantarell,Noto Sans,-apple-system,'Segoe UI',Roboto,sans-serif;font-family:var(--fm-body-font);color:#1a1a2e;color:var(--fm-text);line-height:1.7}h1,h2,h3,h4,h5,h6{font-family:system-ui,Segoe UI,Ubuntu,Cantarell,Noto Sans,-apple-system,'Segoe UI',Roboto,sans-serif;font-family:var(--fm-heading-font);font-weight:700;color:#0a1628;color:var(--fm-dark);line-height:1.3}a{color:#0b3d91;color:var(--fm-primary);-webkit-text-decoration:none;text-decoration:none;transition:color .2s}a:hover{color:#082b66;color:var(--fm-primary-dark)}.btn-primary{background-color:#0b3d91;background-color:var(--fm-primary);border-color:#0b3d91;border-color:var(--fm-primary)}.btn-primary:hover{background-color:#082b66;background-color:var(--fm-primary-dark);border-color:#082b66;border-color:var(--fm-primary-dark)}.btn-accent{background-color:#f5a623;background-color:var(--fm-secondary);border-color:#f5a623;border-color:var(--fm-secondary);color:#0a1628;color:var(--fm-dark);font-weight:600}.btn-accent:hover{background-color:#e09510;border-color:#e09510;color:#0a1628;color:var(--fm-dark)}.btn-outline-light:hover{color:#0b3d91;color:var(--fm-primary)}.top-bar{background:#0a1628;background:var(--fm-dark);color:rgba(255,255,255,.8);font-size:.8125rem;padding:6px 0}.top-bar a{color:#f5a623;color:var(--fm-secondary)}.top-bar a:hover{color:#fff}.top-bar-item{display:inline-flex;align-items:center;gap:6px}.top-bar-divider{display:inline-block;width:1px;height:14px;background:rgba(255,255,255,.25);vertical-align:middle}.icon-phone::before{content:"";display:inline-block;width:14px;height:14px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='%23F5A623' viewBox='0 0 24 24'%3E%3Cpath d='M6.62 10.79a15.05 15.05 0 006.59 6.59l2.2-2.2a1 1 0 011.01-.24 11.36 11.36 0 003.58.57 1 1 0 011 1V20a1 1 0 01-1 1A17 17 0 013 4a1 1 0 011-1h3.5a1 1 0 011 1c0 1.25.2 2.45.57 3.57a1 1 0 01-.25 1.02l-2.2 2.2z'/%3E%3C/svg%3E") center/contain no-repeat}.icon-email::before{content:"";display:inline-block;width:14px;height:14px;background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' fill='%23F5A623' viewBox='0 0 24 24'%3E%3Cpath d='M20 4H4c-1.1 0-2 .9-2 2v12c0 1.1.9 2 2 2h16c1.1 0 2-.9 2-2V6c0-1.1-.9-2-2-2zm0 4l-8 5-8-5V6l8 5 8-5v2z'/%3E%3C/svg%3E") center/contain no-repeat}.fm-navbar{background:#0b3d91;background:var(--fm-primary);padding:.5rem 0;box-shadow:0 2px 12px rgba(0,0,0,.15)}.fm-navbar .navbar-brand ai-img,.fm-navbar .navbar-brand img{height:48px;width:auto}.fm-navbar .nav-link{color:rgba(255,255,255,.9);font-weight:500;padding:.75rem 1rem;font-size:.9375rem;letter-spacing:.01em;transition:color .2s}.fm-navbar .nav-link.active,.fm-navbar .nav-link:hover{color:#f5a623;color:var(--fm-secondary)}.search-form .form-control{background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.25);color:#fff;width:160px;transition:width .3s}.search-form .form-control:focus{width:200px;background:rgba(255,255,255,.25);border-color:#f5a623;border-color:var(--fm-secondary);box-shadow:none;color:#fff}.search-form .form-control::-moz-placeholder{color:rgba(255,255,255,.6)}.search-form .form-control::placeholder{color:rgba(255,255,255,.6)}.section-heading{text-align:center;margin-bottom:3rem}.section-heading h2{font-size:2.25rem;margin-bottom:.75rem}.section-heading p{color:#6b7280;color:var(--fm-text-muted);max-width:640px;margin:0 auto;font-size:1.0625rem}.section-heading .heading-line{display:block;width:56px;height:3px;background:#f5a623;background:var(--fm-secondary);margin:1rem auto 0}.fm-footer{background:#0a1628;background:var(--fm-dark);color:rgba(255,255,255,.75);padding:4rem 0 1.5rem;font-size:.875rem}.fm-footer a{color:rgba(255,255,255,.7);transition:color .2s}.fm-footer a:hover{color:#f5a623;color:var(--fm-secondary)}.footer-tagline{color:rgba(255,255,255,.6);font-size:.8125rem;line-height:1.6}.footer-heading{color:#fff;color:var(--fm-white);font-weight:600;font-size:.9375rem;margin-bottom:1rem;text-transform:uppercase;letter-spacing:.05em}.footer-links{list-style:none;padding:0;margin:0}.footer-links li{margin-bottom:.5rem}.footer-certs{border-top:1px solid rgba(255,255,255,.12)}.cert-badge{display:inline-block;padding:4px 12px;border:1px solid rgba(255,255,255,.2);border-radius:4px;font-size:.75rem;font-weight:600;color:rgba(255,255,255,.8);letter-spacing:.03em}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);font-size:.8125rem}.footer-legal a{color:rgba(255,255,255,.5)}.footer-legal a:hover{color:#f5a623;color:var(--fm-secondary)}.require::after{content:" *";color:#dc3545}.page-hero{background:#0b3d91;background:var(--fm-primary);padding:4rem 0 3rem;color:#fff;position:relative}.page-hero::after{content:"";position:absolute;bottom:0;left:0;right:0;height:4px;background:#f5a623;background:var(--fm-secondary)}.page-hero h1{color:#fff;font-size:2.5rem;margin-bottom:.75rem}.page-hero p{color:rgba(255,255,255,.85);font-size:1.125rem;max-width:640px}@media (max-width:767.98px){.page-hero{padding:2.5rem 0 2rem}.page-hero h1,.section-heading h2{font-size:1.75rem}}.feedback .form-label{font-weight:500;font-size:.875rem;color:#1a1a2e;color:var(--fm-text)}.feedback .form-control,.feedback .form-select{border-color:#e5e7eb;border-color:var(--fm-border);padding:.625rem .875rem;font-size:.9375rem}.feedback .form-control:focus,.feedback .form-select:focus{border-color:#0b3d91;border-color:var(--fm-primary);box-shadow:0 0 0 .2rem rgba(11,61,145,.15)}.feedback .btn-primary{padding:.75rem;font-weight:600;font-size:1rem;letter-spacing:.02em}.modal-header.bg-primary{background-color:#0b3d91!important;background-color:var(--fm-primary)!important}.feedback .form-check-label{font-size:.8125rem;color:#6b7280;color:var(--fm-text-muted)}.feedback .form-check-label a{color:#0b3d91;color:var(--fm-primary);-webkit-text-decoration:underline;text-decoration:underline}