.fmr-btn-outline{border:1px solid rgba(255,255,255,.35);color:#fff}.fmr-head{max-width:780px;margin:0 auto 32px;text-align:center}.fmr-head .fmr-kicker{color:var(--blue)}.fmr-head h2{font-family:var(--heading);font-size:clamp(1.7rem,3.2vw,2.45rem);line-height:1.15;color:var(--navy);margin:0 0 10px}.fmr-head p{line-height:1.65;margin:0}.fmr-grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}.fmr-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.fmr-grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.fmr-number{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--blue2);color:var(--blue);font-weight:900;font-size:.8rem;margin-bottom:14px}.fmr-stat-row{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.fmr-stat{padding:20px;text-align:center}.fmr-stat strong{display:block;font-family:var(--heading);font-size:1.55rem;color:var(--navy);margin-bottom:4px}.fmr-stat span{font-size:.8rem}.fmr-table-wrap{overflow:auto;border:1px solid var(--border);border-radius:14px}.fmr-table{width:100%;border-collapse:collapse;min-width:700px;background:#fff}.fmr-table th{background:var(--navy);color:#fff;text-align:left;padding:14px;font-size:.84rem}.fmr-table td{padding:14px;border-bottom:1px solid var(--border);font-size:.85rem;line-height:1.55;vertical-align:top}.fmr-table tr:last-child td{border-bottom:0}.fmr-table td:first-child{font-weight:800;color:var(--navy)}.fmr-faq-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.fmr-faq-grid details{background:#fff;border:1px solid var(--border);border-radius:12px;overflow:hidden}.fmr-faq-grid summary{padding:17px 18px;font-family:var(--heading);font-weight:800;color:var(--navy);cursor:pointer}.fmr-faq-grid details div{padding:0 18px 18px;font-size:.88rem;line-height:1.62}.fmr-legal-section ul{padding-left:20px;margin:10px 0 0}.fmr-contact-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:20px}.fmr-contact-card{padding:24px}.fmr-contact-card h2,.fmr-contact-card h3{font-family:var(--heading);color:var(--navy);margin-top:0}.fmr-contact-list{display:grid;gap:12px}.fmr-contact-item{padding:14px;border-radius:10px;background:var(--bg)}.fmr-contact-item strong{display:block;color:var(--navy);font-size:.82rem;margin-bottom:3px}.fmr-contact-item span,.fmr-contact-item a{font-size:.9rem;color:var(--text)}.fmr-form-shell{padding:24px}.fmr-form-shell .fmr-form-note{padding:16px;border:1px dashed var(--border);border-radius:10px;background:var(--bg);font-size:.86rem;line-height:1.6}.fmr-review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.fmr-review-placeholder{padding:22px;border-style:dashed}.fmr-review-placeholder h3{font-family:var(--heading);color:var(--navy);font-size:1rem;margin:0 0 8px}.fmr-review-placeholder p{font-size:.86rem;line-height:1.58;margin:0}.fmr-cta{padding:56px 24px;background:linear-gradient(135deg,var(--navy),#173d5e)}.fmr-cta-inner{max-width:1180px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}.fmr-cta h2{font-family:var(--heading);color:#fff;font-size:clamp(1.7rem,3vw,2.45rem);margin:0 0 8px}.fmr-cta p{color:rgba(255,255,255,.65);margin:0;max-width:700px;line-height:1.6}.fmr-phone{font-family:var(--heading);font-size:clamp(1.65rem,3vw,2.5rem);font-weight:900;color:var(--gold)}@media (max-width:950px){.fmr-grid-4,.fmr-grid-3,.fmr-stat-row,.fmr-review-grid{grid-template-columns:repeat(2,1fr)}.fmr-faq-grid{grid-template-columns:1fr}}@media (max-width:620px){.fmr-grid-4,.fmr-grid-3,.fmr-grid-2,.fmr-stat-row,.fmr-review-grid{grid-template-columns:1fr}}