.fm-qa-hero{background:linear-gradient(135deg,var(--fm-navy,#001331) 0%,#092746 72%,#12395d 100%);color:#fff;padding:78px 0 70px;position:relative;overflow:hidden}.fm-qa-hero:after{content:"";position:absolute;right:-80px;top:-120px;width:420px;height:420px;border:1px solid rgba(224,173,63,.22);border-radius:50%;box-shadow:0 0 0 70px rgba(224,173,63,.04),0 0 0 140px rgba(224,173,63,.025)}.fm-qa-hero .container{position:relative;z-index:1}.fm-qa-hero h1{max-width:980px;font-size:clamp(2.5rem,5.1vw,4.5rem);line-height:1.03;color:#fff;margin:12px 0 20px}.fm-qa-hero .lead{max-width:900px;color:rgba(255,255,255,.88);font-size:1.18rem;line-height:1.7}.fm-qa-breadcrumb{display:flex;gap:9px;flex-wrap:wrap;align-items:center;margin-bottom:20px;font-size:.9rem;color:rgba(255,255,255,.68)}.fm-qa-breadcrumb a{color:#fff;text-decoration:none}.fm-qa-breadcrumb a:hover{color:var(--fm-gold,#e0ad3f)}.fm-qa-meta{display:flex;gap:10px;flex-wrap:wrap;margin-top:26px}.fm-qa-meta span{display:inline-flex;padding:8px 13px;border-radius:999px;border:1px solid rgba(255,255,255,.19);background:rgba(255,255,255,.08);font-size:.83rem;font-weight:700;letter-spacing:.02em;color:#fff}.fm-qa-answer-box{background:var(--fm-cream,#f7f3ed);border-left:5px solid var(--fm-gold,#e0ad3f);border-radius:0 22px 22px 0;padding:34px 36px;margin-bottom:46px;box-shadow:0 18px 50px rgba(0,19,49,.07)}.fm-qa-answer-box h2{margin-bottom:15px}.fm-qa-answer-box p:last-child{margin-bottom:0;font-size:1.08rem;line-height:1.8}.fm-qa-content-section{padding:10px 0 44px}.fm-qa-content-section>h2{font-size:clamp(1.9rem,3vw,2.55rem);margin-bottom:20px}.fm-qa-content-section p{line-height:1.82}.fm-qa-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.fm-qa-grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.fm-qa-factor,.fm-qa-evidence-card,.fm-qa-warning-card{border:1px solid rgba(0,19,49,.11);border-radius:18px;padding:21px 22px;background:#fff;box-shadow:0 10px 28px rgba(0,19,49,.045)}.fm-qa-factor p,.fm-qa-evidence-card p,.fm-qa-warning-card p{margin:0;font-weight:600;color:var(--fm-ink,#243141)}.fm-qa-warning-card{border-left:4px solid #b98119}.fm-qa-evidence-card{border-top:3px solid #173a61}.fm-cream-inner{background:var(--fm-cream,#f7f3ed);padding:34px;border-radius:24px;margin-bottom:40px}.fm-qa-steps{display:grid;gap:15px}.fm-qa-step{display:grid;grid-template-columns:42px 1fr;gap:16px;align-items:start}.fm-qa-step-number{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--fm-navy,#001331);color:#fff;font-weight:800}.fm-qa-step p{margin:5px 0 0}.fm-qa-related{display:grid;gap:10px}.fm-qa-related-link,.fm-qa-source{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:15px 18px;border-radius:14px;border:1px solid rgba(0,19,49,.12);background:#fff;color:var(--fm-navy,#001331);text-decoration:none;font-weight:700;transition:.18s ease}.fm-qa-related-link:hover,.fm-qa-source:hover{transform:translateY(-1px);border-color:var(--fm-gold,#e0ad3f);color:#7d560d}.fm-qa-sources{display:grid;gap:10px}.fm-qa-disclaimer{background:#eef3f8;border:1px solid #d7e0ea;border-radius:20px;padding:26px 28px;margin:8px 0 10px}.fm-qa-disclaimer h2{font-size:1.45rem}.fm-qa-disclaimer p{margin-bottom:0;font-size:.94rem}.fm-qa-side{top:120px}.fm-qa-side hr{margin:26px 0}.fm-inline-link{color:#8a6214;font-weight:800;text-decoration:none}.fm-inline-link:hover{text-decoration:underline}.fm-qa-intro-panel{background:#fff;border:1px solid rgba(0,19,49,.1);box-shadow:0 18px 50px rgba(0,19,49,.06);border-radius:24px;padding:34px;margin-bottom:42px}.fm-qa-search-wrap{margin:28px 0 18px}.fm-qa-search{width:100%;min-height:56px;border:2px solid #d7e0ea;border-radius:14px;padding:0 18px;font-size:1.02rem;color:var(--fm-navy,#001331);background:#fff}.fm-qa-search:focus{outline:none;border-color:var(--fm-gold,#e0ad3f);box-shadow:0 0 0 4px rgba(224,173,63,.15)}.fm-qa-alpha{display:flex;gap:7px;flex-wrap:wrap;margin-top:20px}.fm-qa-alpha a{min-width:36px;height:36px;display:grid;place-items:center;border:1px solid #d7e0ea;border-radius:9px;text-decoration:none;color:var(--fm-navy,#001331);font-weight:800;background:#fff}.fm-qa-alpha a:hover{background:var(--fm-navy,#001331);color:#fff}.fm-qa-section-anchor{scroll-margin-top:115px;margin:48px 0}.fm-qa-section-anchor>h2{border-bottom:2px solid var(--fm-gold,#e0ad3f);padding-bottom:10px;margin-bottom:18px}.fm-qa-question-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.fm-qa-question-link{display:flex;align-items:center;min-height:64px;padding:13px 16px;border:1px solid rgba(0,19,49,.11);border-radius:13px;background:#fff;text-decoration:none;color:var(--fm-navy,#001331);font-weight:650;line-height:1.38}.fm-qa-question-link:hover{border-color:var(--fm-gold,#e0ad3f);box-shadow:0 9px 24px rgba(0,19,49,.055);color:#7d560d}.fm-qa-hub-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}.fm-qa-hub-card{display:block;border-radius:24px;padding:30px 28px;background:#fff;border:1px solid rgba(0,19,49,.11);box-shadow:0 16px 44px rgba(0,19,49,.06);text-decoration:none;color:var(--fm-ink,#243141);transition:.2s ease}.fm-qa-hub-card:hover{transform:translateY(-3px);border-color:var(--fm-gold,#e0ad3f);box-shadow:0 22px 55px rgba(0,19,49,.1);color:var(--fm-ink,#243141)}.fm-qa-hub-card h2{font-size:2rem;color:var(--fm-navy,#001331)}.fm-qa-hub-card .fm-eyebrow{display:block}.fm-qa-library-hero h1{max-width:1050px}.fm-qa-hub-hero h1{max-width:900px}.fm-qa-hub-card p{min-height:88px}.fm-qa-library-hero+.fm-section{padding-top:72px}
@media(max-width:991.98px){.fm-qa-hero{padding:58px 0 54px}.fm-qa-side{position:static!important}.fm-qa-hub-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.fm-qa-question-grid{grid-template-columns:1fr}.fm-qa-hub-card p{min-height:0}}
@media(max-width:767.98px){.fm-qa-grid,.fm-qa-grid-2,.fm-qa-hub-grid{grid-template-columns:1fr}.fm-qa-answer-box,.fm-qa-intro-panel,.fm-cream-inner{padding:24px 21px}.fm-qa-hero h1{font-size:2.45rem}.fm-qa-meta span{font-size:.76rem}.fm-qa-content-section{padding-bottom:34px}}