/* ==========================================================
   FloodMarkets Custom CSS
   floodmarkets.com
   ========================================================== */

/* --- FONTS & BASE VARIABLES --- */
:root {
  --fm-navy:       #0d2a4e;
  --fm-blue:       #1a5fa8;
  --fm-blue-mid:   #1e77cc;
  --fm-sky:        #3aa8e8;
  --fm-teal:       #0bb5a3;
  --fm-accent:     #f4a124;
  --fm-light:      #f0f6ff;
  --fm-grey:       #f5f7fa;
  --fm-dark:       #111827;
  --fm-text:       #374151;
  --fm-muted:      #6b7280;
  --fm-border:     #e2e8f0;
  --fm-radius:     10px;
  --fm-radius-lg:  16px;
  --fm-shadow:     0 4px 24px rgba(13,42,78,0.10);
  --fm-shadow-lg:  0 8px 40px rgba(13,42,78,0.16);
  font-family: 'DM Sans', sans-serif;
}

body, p, span, li, td, th, input, select, textarea, button {
  font-family: 'DM Sans', sans-serif !important;
}

h1, h2, h3, h4 {
  font-family: 'DM Serif Display', serif !important;
  color: var(--fm-navy);
}

/* --- HEADER --- */
.fm-header-body {
  background: linear-gradient(135deg, var(--fm-navy) 0%, #1a3a6e 100%) !important;
}
.fm-header-body-light {
  background: #ffffff !important;
  border-bottom: 1px solid var(--fm-border) !important;
  box-shadow: 0 2px 12px rgba(0,0,0,0.06) !important;
}

.fm-logo-text {
  font-family: 'DM Serif Display', serif !important;
  font-size: 1.75rem;
  font-weight: 400;
  color: #fff;
  letter-spacing: -0.5px;
  text-decoration: none !important;
}
.fm-logo-text.fm-logo-dark { color: var(--fm-navy) !important; }
.fm-logo-accent { color: var(--fm-sky) !important; }

.fm-header-body .header-nav-main nav > ul > li > a {
  color: rgba(255,255,255,0.88) !important;
  font-size: 0.82rem !important;
  letter-spacing: 0.05em !important;
  text-transform: uppercase !important;
  font-weight: 600 !important;
  padding: 0.5rem 0.85rem !important;
  transition: color 0.2s;
}
.fm-header-body .header-nav-main nav > ul > li > a:hover,
.fm-header-body .header-nav-main nav > ul > li > a.active {
  color: var(--fm-sky) !important;
}

.fm-header-body-light .header-nav-main nav > ul > li > a {
  color: var(--fm-navy) !important;
  font-size: 0.82rem !important;
  letter-spacing: 0.05em !important;
  text-transform: uppercase !important;
  font-weight: 600 !important;
}
.fm-header-body-light .header-nav-main nav > ul > li > a:hover,
.fm-header-body-light .header-nav-main nav > ul > li > a.active {
  color: var(--fm-blue) !important;
}

.fm-btn-cta {
  background: var(--fm-accent) !important;
  color: var(--fm-navy) !important;
  border: none !important;
  font-weight: 700 !important;
  font-size: 0.8rem !important;
  letter-spacing: 0.04em;
  transition: all 0.2s !important;
}
.fm-btn-cta:hover {
  background: #e8920d !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(244,161,36,0.35) !important;
}

/* --- BUTTONS --- */
.fm-btn-primary {
  background: var(--fm-blue) !important;
  color: #fff !important;
  border: 2px solid var(--fm-blue) !important;
  font-weight: 700 !important;
  font-family: 'DM Sans', sans-serif !important;
  transition: all 0.2s !important;
}
.fm-btn-primary:hover {
  background: var(--fm-navy) !important;
  border-color: var(--fm-navy) !important;
  transform: translateY(-1px);
  box-shadow: 0 4px 20px rgba(26,95,168,0.35) !important;
}
.fm-btn-secondary {
  background: transparent !important;
  color: #fff !important;
  border: 2px solid rgba(255,255,255,0.7) !important;
  font-weight: 700 !important;
  font-family: 'DM Sans', sans-serif !important;
  transition: all 0.2s !important;
}
.fm-btn-secondary:hover {
  background: rgba(255,255,255,0.12) !important;
  border-color: #fff !important;
}
.fm-btn-outline {
  background: transparent !important;
  color: var(--fm-blue) !important;
  border: 2px solid var(--fm-blue) !important;
  font-weight: 700 !important;
  font-family: 'DM Sans', sans-serif !important;
  border-radius: 50px !important;
  padding: 0.5rem 1.5rem !important;
  transition: all 0.2s !important;
}
.fm-btn-outline:hover {
  background: var(--fm-blue) !important;
  color: #fff !important;
}

/* --- FORM INPUTS --- */
.fm-input {
  border: 1.5px solid var(--fm-border) !important;
  border-radius: var(--fm-radius) !important;
  padding: 0.65rem 1rem !important;
  font-family: 'DM Sans', sans-serif !important;
  font-size: 0.9rem !important;
  color: var(--fm-text) !important;
  transition: border-color 0.2s !important;
  background: #fff !important;
}
.fm-input:focus {
  border-color: var(--fm-blue) !important;
  box-shadow: 0 0 0 3px rgba(26,95,168,0.1) !important;
  outline: none !important;
}

/* --- HERO SECTION --- */
.fm-hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: var(--fm-navy);
}
.fm-hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(155deg, #0a1e38 0%, #0d3260 40%, #1a5fa8 100%);
  z-index: 1;
}
.fm-hero-overlay {
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 800 600'%3E%3Cg fill='none' stroke='rgba(58,168,232,0.06)' stroke-width='1'%3E%3Cpath d='M0 200 Q200 150 400 200 T800 200'/%3E%3Cpath d='M0 250 Q200 200 400 250 T800 250'/%3E%3Cpath d='M0 300 Q200 250 400 300 T800 300'/%3E%3Cpath d='M0 350 Q200 300 400 350 T800 350'/%3E%3Cpath d='M0 400 Q200 350 400 400 T800 400'/%3E%3Cpath d='M0 450 Q200 400 400 450 T800 450'/%3E%3C/g%3E%3C/svg%3E") center/cover;
  animation: waveMove 8s ease-in-out infinite alternate;
}
@keyframes waveMove {
  0% { transform: translateX(0) scaleY(1); }
  100% { transform: translateX(-40px) scaleY(1.05); }
}
.fm-hero .container { position: relative; z-index: 3; }
.fm-hero-eyebrow {
  display: inline-block;
  background: rgba(58,168,232,0.18);
  color: var(--fm-sky);
  border: 1px solid rgba(58,168,232,0.35);
  border-radius: 50px;
  padding: 0.3rem 1rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1rem;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-hero-title {
  font-family: 'DM Serif Display', serif !important;
  font-size: clamp(2.2rem, 5vw, 3.8rem) !important;
  color: #fff !important;
  line-height: 1.15 !important;
  margin-bottom: 1.25rem !important;
  font-weight: 400 !important;
}
.fm-hero-highlight {
  color: var(--fm-sky);
  font-style: italic;
}
.fm-hero-subtitle {
  color: rgba(255,255,255,0.8);
  font-size: 1.05rem;
  line-height: 1.7;
  margin-bottom: 2rem;
  max-width: 540px;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-hero-actions { margin-bottom: 2.5rem; }
.fm-hero-actions .btn { font-size: 0.95rem !important; padding: 0.75rem 2rem !important; }
.fm-hero-stats {
  display: flex;
  align-items: center;
  gap: 0;
  padding-top: 0.5rem;
}
.fm-stat { text-align: center; padding: 0 1.5rem; }
.fm-stat:first-child { padding-left: 0; }
.fm-stat-number {
  display: block;
  font-family: 'DM Serif Display', serif !important;
  font-size: 2rem;
  color: var(--fm-sky);
  line-height: 1;
  margin-bottom: 0.2rem;
}
.fm-stat-label {
  display: block;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-weight: 600;
}
.fm-stat-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.15);
}
.fm-hero-wave {
  position: absolute;
  bottom: -1px;
  left: 0;
  right: 0;
  z-index: 4;
  line-height: 0;
}
.fm-hero-wave svg { width: 100%; display: block; }

/* HERO CARD */
.fm-hero-card {
  perspective: 1000px;
}
.fm-compare-preview {
  background: rgba(8, 28, 60, 0.72);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(78, 237, 153, 0.25);
  border-radius: var(--fm-radius-lg);
  padding: 2.5rem;
  box-shadow: 0 20px 60px rgba(0,0,0,0.5), 0 0 0 1px rgba(78,237,153,0.08);
}
.fm-compare-header {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(255,255,255,0.6);
  font-weight: 700;
  margin-bottom: 1.75rem;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-compare-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.35rem 1.75rem;
  border-radius: var(--fm-radius);
  margin-bottom: 1rem;
}
.fm-compare-nfip { background: rgba(255,255,255,0.06); }
.fm-compare-private { background: rgba(11,181,163,0.12); border: 1px solid rgba(11,181,163,0.3); }
.fm-compare-label {
  font-size: 1rem;
  color: rgba(255,255,255,0.75);
  font-family: 'DM Sans', sans-serif !important;
  font-weight: 500;
}
.fm-compare-price {
  font-family: 'DM Serif Display', serif !important;
  font-size: 2.1rem;
  color: #fff;
}
.fm-compare-price span { font-size: 1rem; opacity: 0.7; font-family: 'DM Sans', sans-serif !important; }
.fm-price-better { color: #4eed99 !important; }
.fm-compare-vs {
  text-align: center;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin: 0.35rem 0;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-compare-savings {
  background: linear-gradient(135deg, rgba(78,237,153,0.28) 0%, rgba(11,181,163,0.22) 100%);
  border: 2px solid rgba(78,237,153,0.7);
  border-radius: var(--fm-radius);
  padding: 1.25rem 1.5rem;
  text-align: center;
  font-size: 1.15rem;
  font-weight: 700;
  color: #fff;
  margin-top: 1rem;
  font-family: 'DM Sans', sans-serif !important;
  box-shadow: 0 0 18px rgba(78,237,153,0.3), inset 0 1px 0 rgba(255,255,255,0.1);
  letter-spacing: 0.01em;
}

/* BADGES */
.fm-badge-nfip, .fm-nfip-badge {
  background: var(--fm-blue);
  color: #fff;
  border-radius: 4px;
  padding: 3px 10px;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  font-family: 'DM Sans', sans-serif !important;
  white-space: nowrap;
}
.fm-badge-private, .fm-private-badge {
  background: var(--fm-teal);
  color: #fff;
  border-radius: 4px;
  padding: 3px 10px;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  font-family: 'DM Sans', sans-serif !important;
  white-space: nowrap;
}
.fm-elevation-badge {
  background: #6366f1;
  color: #fff;
  border-radius: 4px;
  padding: 2px 8px;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-zone-badge {
  background: #7c3aed;
  color: #fff;
  border-radius: 4px;
  padding: 2px 8px;
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-manual-badge {
  background: var(--fm-navy);
  color: #fff;
  border-radius: 4px;
  padding: 2px 8px;
  font-size: 0.68rem;
  font-weight: 800;
  text-transform: uppercase;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-claims-badge {
  background: #dc2626;
  color: #fff;
  border-radius: 4px;
  padding: 2px 8px;
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-mitigation-badge {
  background: #16a34a;
  color: #fff;
  border-radius: 4px;
  padding: 2px 8px;
  font-size: 0.7rem;
  font-weight: 800;
  text-transform: uppercase;
  font-family: 'DM Sans', sans-serif !important;
}

/* --- QUOTE SECTION --- */
.fm-quote-section { background: #fff; padding: 2.5rem 0; }
.fm-quote-card {
  background: #fff;
  border-radius: var(--fm-radius-lg);
  padding: 2rem 2.5rem;
  box-shadow: var(--fm-shadow-lg);
  border: 1px solid var(--fm-border);
}

/* --- SECTION TYPOGRAPHY --- */
.fm-eyebrow {
  display: block;
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--fm-blue);
  margin-bottom: 0.5rem;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-section-title {
  font-family: 'DM Serif Display', serif !important;
  font-size: clamp(1.7rem, 3vw, 2.5rem) !important;
  color: var(--fm-navy) !important;
  font-weight: 400 !important;
  line-height: 1.2 !important;
  margin-bottom: 0.75rem !important;
}
.fm-section-subtitle {
  color: var(--fm-muted);
  font-size: 1rem;
  max-width: 600px;
  margin: 0 auto;
}

/* --- COMPARE SECTION --- */
.fm-compare-section { background: #fff; }
.fm-policy-card {
  background: #fff;
  border-radius: var(--fm-radius-lg);
  border: 2px solid var(--fm-border);
  padding: 2rem;
  height: 100%;
  box-shadow: var(--fm-shadow);
  transition: box-shadow 0.2s, transform 0.2s;
  position: relative;
}
.fm-policy-card:hover {
  box-shadow: var(--fm-shadow-lg);
  transform: translateY(-3px);
}
.fm-nfip-card { border-color: var(--fm-blue); }
.fm-private-card { border-color: var(--fm-teal); }
.fm-policy-badge {
  display: inline-block;
  margin-bottom: 0.75rem;
  font-size: 0.75rem;
}
.fm-policy-badge-wrap { position: absolute; top: 1.25rem; right: 1.25rem; }
.fm-best-value {
  background: linear-gradient(135deg, var(--fm-teal), #0dd9c6);
  color: var(--fm-navy);
  border-radius: 50px;
  padding: 0.3rem 0.8rem;
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-policy-header h3 {
  font-size: 1.3rem !important;
  margin-bottom: 0.6rem !important;
}
.fm-policy-header p {
  color: var(--fm-muted);
  font-size: 0.88rem;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-feature-list { list-style: none; padding: 0; margin: 1.25rem 0; }
.fm-feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.6rem;
  font-size: 0.87rem;
  color: var(--fm-text);
  padding: 0.35rem 0;
  border-bottom: 1px solid var(--fm-border);
  font-family: 'DM Sans', sans-serif !important;
}
.fm-feature-list li:last-child { border-bottom: none; }
.fm-feature-pro i { color: #16a34a; flex-shrink: 0; margin-top: 3px; }
.fm-feature-con i { color: #dc2626; flex-shrink: 0; margin-top: 3px; }
.fm-policy-footer {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--fm-border);
}
.fm-policy-rating {
  font-size: 0.78rem;
  color: var(--fm-muted);
  font-family: 'DM Sans', sans-serif !important;
}

/* COMPARISON TABLE */
.fm-comparison-table-wrap {
  background: var(--fm-grey);
  border-radius: var(--fm-radius-lg);
  padding: 2rem;
  margin-top: 1rem;
}
.fm-table-title {
  font-size: 1.2rem !important;
  color: var(--fm-navy) !important;
  font-family: 'DM Serif Display', serif !important;
}
.fm-comparison-table thead th {
  background: var(--fm-navy);
  color: #fff;
  font-size: 0.82rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  padding: 0.75rem 1rem;
  border: none !important;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-comparison-table td {
  font-size: 0.88rem;
  padding: 0.65rem 1rem;
  border-color: var(--fm-border) !important;
  color: var(--fm-text);
  font-family: 'DM Sans', sans-serif !important;
  vertical-align: middle;
}
.fm-comparison-table tbody tr:hover { background: var(--fm-light); }

/* --- SERVICES --- */
.fm-services-section { background: var(--fm-grey); }
.fm-service-card {
  background: #fff;
  border-radius: var(--fm-radius-lg);
  padding: 2rem 1.75rem;
  height: 100%;
  border: 1px solid var(--fm-border);
  box-shadow: var(--fm-shadow);
  transition: all 0.25s;
  text-align: center;
}
.fm-service-card:hover {
  box-shadow: var(--fm-shadow-lg);
  transform: translateY(-4px);
  border-color: var(--fm-sky);
}
.fm-service-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--fm-light), #d6eafe);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  font-size: 1.6rem;
  color: var(--fm-blue);
}
.fm-service-card h4 {
  font-size: 1.1rem !important;
  margin-bottom: 0.75rem !important;
  color: var(--fm-navy) !important;
}
.fm-service-card p {
  font-size: 0.88rem;
  color: var(--fm-muted);
  line-height: 1.65;
  margin: 0;
  font-family: 'DM Sans', sans-serif !important;
}

/* --- HOW IT WORKS --- */
.fm-howitworks { background: #fff; }
.fm-step {
  padding: 1.5rem;
  position: relative;
}
.fm-step-number {
  font-family: 'DM Serif Display', serif !important;
  font-size: 3rem;
  color: var(--fm-border);
  line-height: 1;
  margin-bottom: 0.5rem;
  display: block;
}
.fm-step-icon {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--fm-blue), var(--fm-sky));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: #fff;
  margin: 0 auto 1rem;
}
.fm-step h5 {
  font-size: 1rem !important;
  margin-bottom: 0.6rem !important;
  color: var(--fm-navy) !important;
}
.fm-step p {
  font-size: 0.87rem;
  color: var(--fm-muted);
  font-family: 'DM Sans', sans-serif !important;
}

/* --- EDUCATION SECTION (HOME) --- */
.fm-education-section { background: var(--fm-grey); }
.fm-article-card {
  display: block;
  background: #fff;
  border-radius: var(--fm-radius-lg);
  padding: 1.75rem;
  border: 1px solid var(--fm-border);
  text-decoration: none !important;
  height: 100%;
  transition: all 0.25s;
  color: var(--fm-text) !important;
}
.fm-article-card:hover {
  box-shadow: var(--fm-shadow-lg);
  transform: translateY(-3px);
  border-color: var(--fm-sky);
  text-decoration: none !important;
  color: var(--fm-text) !important;
}
.fm-article-card.fm-article-featured {
  background: linear-gradient(135deg, var(--fm-navy), #1a3a6e);
  color: rgba(255,255,255,0.9) !important;
}
.fm-article-card.fm-article-featured .fm-article-category {
  background: rgba(58,168,232,0.25);
  color: var(--fm-sky);
}
.fm-article-card.fm-article-featured h4,
.fm-article-card.fm-article-featured p { color: rgba(255,255,255,0.9) !important; }
.fm-article-card.fm-article-featured .fm-read-more { color: var(--fm-sky) !important; }
.fm-article-category {
  display: inline-block;
  background: var(--fm-light);
  color: var(--fm-blue);
  border-radius: 4px;
  padding: 2px 8px;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.75rem;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-article-card h4 {
  font-size: 1.05rem !important;
  color: var(--fm-navy) !important;
  margin-bottom: 0.6rem !important;
  line-height: 1.3 !important;
}
.fm-article-card h5 {
  font-size: 0.92rem !important;
  color: var(--fm-navy) !important;
  margin-bottom: 0.5rem !important;
  line-height: 1.35 !important;
}
.fm-article-card p {
  font-size: 0.87rem;
  color: var(--fm-muted);
  line-height: 1.6;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-read-more {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--fm-blue);
  letter-spacing: 0.03em;
  font-family: 'DM Sans', sans-serif !important;
  margin-top: 0.75rem;
}
.fm-article-card.fm-article-small { padding: 1.25rem; }
.fm-article-card.fm-article-small h5 { margin-bottom: 0.75rem !important; }

/* --- TRUST SECTION --- */
.fm-trust-section { background: #fff; }
.fm-testimonial-card {
  background: var(--fm-grey);
  border-radius: var(--fm-radius-lg);
  padding: 2rem;
  height: 100%;
  border: 1px solid var(--fm-border);
}
.fm-stars { color: var(--fm-accent); font-size: 1.1rem; margin-bottom: 1rem; letter-spacing: 2px; }
.fm-testimonial-card p {
  font-size: 0.92rem;
  color: var(--fm-text);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 1rem;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-testimonial-author {
  font-size: 0.83rem;
  color: var(--fm-muted);
  font-family: 'DM Sans', sans-serif !important;
}
.fm-testimonial-author strong { color: var(--fm-navy); }
.fm-trust-badges {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 1.5rem 2.5rem;
  padding: 1.5rem;
  background: var(--fm-grey);
  border-radius: var(--fm-radius-lg);
}
.fm-trust-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.83rem;
  font-weight: 700;
  color: var(--fm-navy);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-trust-badge i { color: var(--fm-blue); font-size: 1rem; }

/* --- CONTACT SECTION --- */
.fm-contact-section { background: var(--fm-grey); }
.fm-contact-info {
  background: linear-gradient(155deg, var(--fm-navy), #1a3a6e);
  padding: 4rem 3.5rem;
}
.fm-contact-info .fm-eyebrow { color: var(--fm-sky); }
.fm-contact-info .fm-section-title { color: #fff !important; }
.fm-contact-info > p {
  color: rgba(255,255,255,0.75);
  font-family: 'DM Sans', sans-serif !important;
}
.fm-contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.5rem;
}
.fm-contact-detail i {
  color: var(--fm-sky);
  font-size: 1.1rem;
  margin-top: 3px;
  flex-shrink: 0;
}
.fm-contact-detail strong {
  display: block;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.07em;
  color: rgba(255,255,255,0.5);
  font-family: 'DM Sans', sans-serif !important;
  margin-bottom: 0.2rem;
}
.fm-contact-detail a, .fm-contact-detail span {
  color: rgba(255,255,255,0.9);
  text-decoration: none;
  font-size: 0.95rem;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-contact-form-col {
  background: #fff;
  padding: 4rem 3.5rem;
}
.fm-contact-form-col h3 {
  margin-bottom: 1.5rem !important;
  font-size: 1.4rem !important;
}

/* --- CTA STRIP --- */
.fm-cta-strip { background: var(--fm-navy) !important; }

/* --- FOOTER --- */
.fm-footer { background: #fff; border-top: 1px solid var(--fm-border); }
.fm-footer-main { background: #f8fafc; }
.fm-footer-logo { font-size: 1.5rem; }
.fm-footer-heading {
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-weight: 800;
  color: var(--fm-navy);
  margin-bottom: 1rem;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}
.fm-footer-links li { margin-bottom: 0.5rem; }
.fm-footer-links a {
  color: var(--fm-muted);
  text-decoration: none;
  font-size: 0.88rem;
  transition: color 0.2s;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-footer-links a:hover { color: var(--fm-blue); }
.fm-footer-copyright {
  background: var(--fm-navy);
}
.fm-footer-copyright p { color: rgba(255,255,255,0.5) !important; }
.fm-footer-copyright a { color: rgba(255,255,255,0.7) !important; text-decoration: none; }
.fm-footer-copyright a:hover { color: var(--fm-sky) !important; }

/* --- INNER PAGES --- */
.fm-page-title {
  background: linear-gradient(135deg, var(--fm-navy) 0%, #1a3a6e 100%);
  padding: 6rem 0 4rem;
  margin-top: 0;
}
.fm-page-h1 {
  font-family: 'DM Serif Display', serif !important;
  font-size: clamp(2rem, 4vw, 3rem) !important;
  color: #fff !important;
  font-weight: 400 !important;
  line-height: 1.2 !important;
  margin: 0.5rem 0 1rem !important;
}
.fm-page-subtitle {
  color: rgba(255,255,255,0.75);
  font-size: 1rem;
  line-height: 1.7;
  max-width: 600px;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-page-title .fm-eyebrow { color: var(--fm-sky); }

/* --- EDUCATION PAGE --- */
.fm-edu-nav { background: #fff; padding: 0.5rem 0; border-bottom: 1px solid var(--fm-border); }
.fm-filter-tabs { display: flex; flex-wrap: wrap; gap: 0.25rem; padding: 0.5rem 0; }
.fm-filter-tab {
  padding: 0.45rem 1rem;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 700;
  text-decoration: none;
  color: var(--fm-muted);
  border: 1.5px solid var(--fm-border);
  font-family: 'DM Sans', sans-serif !important;
  transition: all 0.2s;
  white-space: nowrap;
}
.fm-filter-tab:hover, .fm-filter-tab.active {
  background: var(--fm-blue);
  color: #fff;
  border-color: var(--fm-blue);
  text-decoration: none;
}

.fm-edu-content { background: var(--fm-grey); padding: 3rem 0; }
.fm-edu-sidebar {
  background: #fff;
  border-radius: var(--fm-radius-lg);
  padding: 1.5rem;
  border: 1px solid var(--fm-border);
}
.fm-sidebar-heading {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--fm-muted);
  font-weight: 700;
  margin-bottom: 0.75rem;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-sidebar-nav { list-style: none; padding: 0; margin: 0 0 1.5rem; }
.fm-sidebar-nav li { margin-bottom: 0.1rem; }
.fm-sidebar-nav a {
  display: block;
  padding: 0.45rem 0.5rem;
  color: var(--fm-text);
  font-size: 0.87rem;
  text-decoration: none;
  border-radius: 6px;
  transition: all 0.15s;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-sidebar-nav a:hover { background: var(--fm-light); color: var(--fm-blue); }
.fm-sidebar-nav i { font-size: 0.65rem; margin-right: 0.4rem; color: var(--fm-blue); }
.fm-sidebar-cta {
  background: linear-gradient(135deg, var(--fm-navy), #1a3a6e);
  border-radius: var(--fm-radius);
  padding: 1.25rem;
  margin-top: 1.5rem;
}
.fm-sidebar-cta h6 {
  color: #fff;
  font-size: 0.9rem;
  margin-bottom: 0.4rem;
  font-family: 'DM Serif Display', serif !important;
}
.fm-sidebar-cta p {
  color: rgba(255,255,255,0.7);
  font-size: 0.82rem;
  margin-bottom: 1rem;
  font-family: 'DM Sans', sans-serif !important;
}

.fm-edu-section {
  background: #fff;
  border-radius: var(--fm-radius-lg);
  padding: 2.5rem;
  margin-bottom: 2rem;
  border: 1px solid var(--fm-border);
}
.fm-edu-section-header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  margin-bottom: 1.75rem;
  padding-bottom: 1rem;
  border-bottom: 2px solid var(--fm-border);
  flex-wrap: wrap;
}
.fm-edu-section-header h2 {
  font-size: 1.6rem !important;
  margin-bottom: 0 !important;
  flex: 1;
}
.fm-edu-section-header p { width: 100%; margin-top: 0.5rem; color: var(--fm-muted); font-size: 0.9rem; font-family: 'DM Sans', sans-serif !important; }

.fm-edu-article-card {
  background: var(--fm-grey);
  border-radius: var(--fm-radius);
  padding: 1.5rem;
  height: 100%;
  border: 1px solid var(--fm-border);
  transition: all 0.2s;
}
.fm-edu-article-card:hover {
  box-shadow: var(--fm-shadow);
  border-color: var(--fm-sky);
}
.fm-article-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: linear-gradient(135deg, var(--fm-light), #d6eafe);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: var(--fm-blue);
  margin-bottom: 0.9rem;
}
.fm-edu-article-card h5 {
  font-size: 0.95rem !important;
  line-height: 1.35 !important;
  margin-bottom: 0.6rem !important;
}
.fm-edu-article-card h5 a {
  color: var(--fm-navy) !important;
  text-decoration: none;
  transition: color 0.2s;
}
.fm-edu-article-card h5 a:hover { color: var(--fm-blue) !important; }
.fm-edu-article-card p {
  font-size: 0.84rem;
  color: var(--fm-muted);
  line-height: 1.6;
  font-family: 'DM Sans', sans-serif !important;
  margin-bottom: 0.75rem;
}
.fm-article-meta {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.78rem;
  color: var(--fm-muted);
  font-family: 'DM Sans', sans-serif !important;
}
.fm-manual-card { border-left: 3px solid var(--fm-navy); }

/* ZONE TABLE */
.fm-zone-chart {
  background: var(--fm-grey);
  border-radius: var(--fm-radius-lg);
  padding: 2rem;
  margin-bottom: 1.5rem;
}
.fm-zone-chart h5 {
  font-size: 1.1rem !important;
  margin-bottom: 1rem !important;
}
.fm-zone-table thead th {
  background: var(--fm-navy);
  color: #fff;
  font-size: 0.8rem;
  font-weight: 700;
  padding: 0.65rem 0.75rem;
  border: none !important;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-zone-table td {
  font-size: 0.84rem;
  padding: 0.55rem 0.75rem;
  border-color: var(--fm-border) !important;
  font-family: 'DM Sans', sans-serif !important;
  vertical-align: middle;
}
.fm-zone-high { background: rgba(239,68,68,0.06); }
.fm-zone-extreme { background: rgba(185,28,28,0.08); }
.fm-zone-moderate { background: rgba(245,158,11,0.06); }
.fm-zone-low { background: rgba(22,163,74,0.06); }

/* FAQ */
.fm-faq-list { }
.fm-faq-item {
  border: 1px solid var(--fm-border);
  border-radius: var(--fm-radius);
  margin-bottom: 0.75rem;
  overflow: hidden;
}
.fm-faq-question {
  width: 100%;
  background: var(--fm-grey);
  border: none;
  padding: 1.1rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--fm-navy);
  cursor: pointer;
  text-align: left;
  font-family: 'DM Sans', sans-serif !important;
  transition: background 0.2s;
}
.fm-faq-question:hover { background: var(--fm-light); }
.fm-faq-question i { font-size: 0.75rem; color: var(--fm-blue); flex-shrink: 0; }
.fm-faq-answer {
  padding: 1rem 1.5rem 1.25rem;
  font-size: 0.9rem;
  color: var(--fm-text);
  line-height: 1.7;
  border-top: 1px solid var(--fm-border);
  background: #fff;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-faq-answer p { margin: 0; }

/* --- TERMS PAGE --- */
.fm-terms-section { background: var(--fm-grey); padding: 3rem 0; }
.fm-alpha-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.25rem;
  padding: 1rem 1.5rem;
  background: #fff;
  border-radius: var(--fm-radius-lg);
  border: 1px solid var(--fm-border);
}
.fm-alpha-nav a {
  display: inline-block;
  width: 32px;
  height: 32px;
  border-radius: 6px;
  text-align: center;
  line-height: 32px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--fm-blue);
  text-decoration: none;
  transition: all 0.15s;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-alpha-nav a:hover {
  background: var(--fm-blue);
  color: #fff;
  text-decoration: none;
}
.fm-alpha-sidebar {
  display: flex;
  flex-wrap: wrap;
  gap: 4px;
}
.fm-alpha-sidebar a {
  display: inline-block;
  width: 30px;
  height: 30px;
  border-radius: 5px;
  text-align: center;
  line-height: 30px;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--fm-blue);
  text-decoration: none;
  border: 1px solid var(--fm-border);
  transition: all 0.15s;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-alpha-sidebar a:hover { background: var(--fm-blue); color: #fff; border-color: var(--fm-blue); text-decoration: none; }

.fm-term-letter-section {
  background: #fff;
  border-radius: var(--fm-radius-lg);
  padding: 2rem 2.5rem;
  margin-bottom: 1.5rem;
  border: 1px solid var(--fm-border);
  scroll-margin-top: 90px;
}
.fm-letter-header {
  font-family: 'DM Serif Display', serif !important;
  font-size: 3rem;
  color: var(--fm-light);
  -webkit-text-stroke: 2px var(--fm-blue);
  line-height: 1;
  margin-bottom: 1.25rem;
  padding-bottom: 1rem;
  border-bottom: 2px solid var(--fm-border);
}
.fm-term-list { margin: 0; }
.fm-term-item { margin-bottom: 1.75rem; padding-bottom: 1.75rem; border-bottom: 1px solid var(--fm-border); }
.fm-term-item:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.fm-term-item dt {
  font-family: 'DM Serif Display', serif !important;
  font-size: 1.15rem;
  color: var(--fm-navy);
  margin-bottom: 0.5rem;
  scroll-margin-top: 90px;
}
.fm-term-item dd {
  font-size: 0.92rem;
  color: var(--fm-text);
  line-height: 1.75;
  margin-left: 0;
  font-family: 'DM Sans', sans-serif !important;
}
.fm-term-item dd em { color: var(--fm-blue); font-style: italic; }
.fm-term-item dd strong { color: var(--fm-navy); }

/* SCROLL MARGIN FOR ANCHOR LINKS */
.fm-edu-section, .fm-term-letter-section { scroll-margin-top: 85px; }

/* --- IFRAME WIDGET (index inline) --- */
.fm-iframe-wrap {
  background: #fff;
  border-radius: var(--fm-radius-lg);
  overflow: hidden;
  box-shadow: var(--fm-shadow-lg);
  border: 1px solid var(--fm-border);
}

/* --- QUOTE PAGE --- */
.fm-quote-page-title {
  padding-bottom: 3rem;
}
.fm-quote-trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: flex-end;
}
.fm-quote-trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 50px;
  padding: 0.45rem 1rem;
  font-size: 0.82rem;
  font-weight: 600;
  color: rgba(255,255,255,0.9);
  font-family: 'DM Sans', sans-serif !important;
  white-space: nowrap;
}
.fm-quote-trust-item i {
  color: var(--fm-sky);
  font-size: 0.9rem;
}

.fm-quote-iframe-section {
  background: var(--fm-grey);
  padding: 2.5rem 0;
}
.fm-iframe-outer {
  max-width: 1200px;
  margin: 0 auto;
  background: #fff;
  border-radius: var(--fm-radius-lg);
  overflow: hidden;
  box-shadow: var(--fm-shadow-lg);
  border: 1px solid var(--fm-border);
}

.fm-quote-reassurance { background: #fff; }
.fm-reassurance-item {
  padding: 1.5rem;
}
.fm-reassurance-item i {
  font-size: 2rem;
  color: var(--fm-blue);
  margin-bottom: 0.75rem;
  display: block;
}
.fm-reassurance-item h6 {
  font-size: 0.95rem;
  color: var(--fm-navy);
  margin-bottom: 0.4rem;
  font-family: 'DM Serif Display', serif !important;
}
.fm-reassurance-item p {
  font-size: 0.87rem;
  color: var(--fm-muted);
  font-family: 'DM Sans', sans-serif !important;
  margin: 0;
}
.fm-reassurance-item a {
  color: var(--fm-blue);
  text-decoration: none;
}
.fm-reassurance-item a:hover { text-decoration: underline; }

/* RESPONSIVE */
@media (max-width: 991.98px) {
  .fm-hero { min-height: auto; padding: 6rem 0 3rem; }
  .fm-contact-info, .fm-contact-form-col { padding: 2.5rem 1.5rem; }
  .fm-quote-card { padding: 1.5rem; }
  .fm-edu-section { padding: 1.75rem; }
  .fm-term-letter-section { padding: 1.5rem; }
}
@media (max-width: 767.98px) {
  .fm-hero-stats { flex-wrap: wrap; gap: 1rem; }
  .fm-stat-divider { display: none; }
  .fm-filter-tabs { gap: 0.35rem; }
  .fm-edu-section-header { flex-direction: column; align-items: flex-start; }
  .fm-contact-info { padding: 2rem 1.25rem; }
  .fm-contact-form-col { padding: 2rem 1.25rem; }
}