:root{
  --fra-navy:#14365C; --fra-green:#30944B; --fra-white:#fff; --fra-gray:#EAEAEA;
  --fra-text:#17324a; --fra-muted:#667785; --fra-border:#dce5ea;
  --fra-max:1240px; --fra-radius:10px; --fra-shadow:0 14px 40px rgba(20,54,92,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--fra-text);background:#fff;line-height:1.6}
img{max-width:100%;height:auto}
a{text-decoration:none}
h1,h2,h3,h4{font-family:Montserrat,Arial,sans-serif;line-height:1.08;color:var(--fra-navy);margin:0 0 16px}
h1{font-size:clamp(42px,5.4vw,70px);letter-spacing:-.035em}
h2{font-size:clamp(32px,3.7vw,48px);letter-spacing:-.025em}
h3{font-size:23px}
p{margin:0 0 18px}
.fra-wrap{width:min(calc(100% - 48px),var(--fra-max));margin-inline:auto}
.section{padding:88px 0}
.surface{background:#f5f7f8}
.eyebrow{font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--fra-green);margin-bottom:14px}
.eyebrow.light{color:#8de0a0}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:0 24px;border-radius:8px;font-weight:800;border:2px solid transparent;transition:.2s}
.btn:hover{transform:translateY(-1px)}
.btn-green{background:var(--fra-green);color:#fff}
.btn-navy{background:var(--fra-navy);color:#fff}
.btn-outline-light{border-color:#fff;color:#fff}
.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.site-header{background:var(--fra-navy);position:sticky;top:0;z-index:100;box-shadow:0 2px 12px rgba(0,0,0,.09)}
.header-inner{display:flex;align-items:center;gap:24px;min-height:84px}
.brand img{display:block;height:64px;width:auto;border-radius:5px}
.primary-nav{margin-left:auto;display:flex;align-items:center;gap:24px}
.primary-nav ul{display:flex;list-style:none;gap:22px;margin:0;padding:0}
.primary-nav a{color:#fff;font-weight:700;font-size:14px}
.menu-toggle{display:none;margin-left:auto;background:transparent;color:#fff;border:0;font-size:28px}
.hero,.page-hero{background-color:var(--fra-navy);background-size:cover;background-position:center;min-height:620px;display:flex;align-items:center;color:#fff}
.page-hero{min-height:500px}
.hero-copy{max-width:740px;padding:82px 0}
.hero h1,.page-hero h1{color:#fff}
.hero p,.page-hero p{font-size:19px;max-width:690px;color:#eef4f7}
.idx-overlap{position:relative;margin-top:-55px;z-index:3}
.panel{background:#fff;border:1px solid var(--fra-border);border-radius:var(--fra-radius);box-shadow:var(--fra-shadow);padding:26px}
.placeholder{min-height:150px;border:2px dashed #bac8d1;border-radius:8px;display:flex;flex-direction:column;gap:8px;align-items:center;justify-content:center;text-align:center;color:#70808b;padding:24px}
.placeholder strong{color:var(--fra-navy)}
.benefits{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.benefit{padding-right:22px;border-right:1px solid var(--fra-border)}
.benefit:last-child{border-right:0}
.benefit p{color:var(--fra-muted)}
.icon{width:52px;height:52px;border:1px solid #b8d9c2;color:var(--fra-green);border-radius:50%;display:grid;place-items:center;font-size:22px;margin-bottom:17px}
.feature-grid{display:grid;grid-template-columns:.8fr 2fr;gap:48px;align-items:start}
.split-paths{display:grid;grid-template-columns:1fr 1fr}
.path{padding:72px max(6vw,32px);color:#fff;min-height:330px}
.path h2{color:#fff}.path.navy{background:var(--fra-navy)}.path.green{background:var(--fra-green)}
.two-col{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.chips{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.chips span{border:1px solid var(--fra-border);border-radius:999px;padding:8px 12px;font-size:13px;font-weight:700}
.market-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.mini-card{border:1px solid var(--fra-border);border-radius:10px;padding:26px;background:#fff}
.mini-card strong{display:block;color:var(--fra-navy);margin-bottom:8px}
.mini-card span{font-size:14px;color:var(--fra-muted)}
.lead-grid{display:grid;grid-template-columns:.72fr 1fr 1fr;gap:40px;align-items:center}
.guide-art{min-height:310px;background:linear-gradient(145deg,var(--fra-navy),#245c8f);border-radius:12px;color:#fff;display:grid;place-items:center;text-align:center;font-weight:900;font-size:25px;box-shadow:var(--fra-shadow);overflow:hidden}
.guide-art img{width:100%;height:100%;object-fit:cover}
.testimonial{text-align:center;max-width:900px}
.quote{font-size:80px;line-height:.8;color:var(--fra-green)}
blockquote{font-family:Montserrat,Arial,sans-serif;font-size:25px;line-height:1.45;color:var(--fra-navy);margin:16px 0 20px}
.final-cta{background:var(--fra-navy);color:#fff;padding:66px 0}
.final-cta h2{color:#fff}
.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:40px}
.checklist{list-style:none;padding:0;margin:24px 0 0}
.checklist li{margin:14px 0;padding-left:30px;position:relative}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--fra-green);font-weight:900}
.center{text-align:center;margin-bottom:46px}
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:20px}
.step{text-align:center}
.step-num{width:56px;height:56px;border-radius:50%;background:var(--fra-navy);color:#fff;display:grid;place-items:center;font-weight:900;margin:0 auto 18px}
.step:nth-child(even) .step-num{background:var(--fra-green)}
.simple-hero{background:var(--fra-navy);padding:72px 0}.simple-hero h1{color:#fff}
.content{max-width:900px}
.site-footer{background:#0f2b47;color:#cbd7df;padding:60px 0 20px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:42px}
.site-footer h4{color:#fff}.site-footer a{color:#dbe4ea;display:block;margin:7px 0}
.site-footer ul{list-style:none;padding:0;margin:0}
.footer-logo{height:72px;width:auto;border-radius:5px;margin-bottom:16px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:38px;padding-top:18px;font-size:13px}
.embed iframe{max-width:100%}
@media(max-width:980px){
 .primary-nav{display:none;position:absolute;top:84px;left:0;right:0;background:var(--fra-navy);padding:22px 24px;box-shadow:0 12px 28px rgba(0,0,0,.18)}
 .primary-nav.open{display:block}.primary-nav ul{display:block}.primary-nav li{margin:12px 0}.nav-cta{margin-top:14px}
 .menu-toggle{display:block}
 .benefits{grid-template-columns:1fr 1fr}.feature-grid,.two-col,.lead-grid{grid-template-columns:1fr}
 .split-paths{grid-template-columns:1fr}.market-cards{grid-template-columns:1fr 1fr 1fr}
 .steps{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}
 .cta-inner{display:block}
}
@media(max-width:640px){
 .fra-wrap{width:min(calc(100% - 32px),var(--fra-max))}
 .section{padding:62px 0}.hero{min-height:560px}.page-hero{min-height:460px}
 .hero-copy{padding:68px 0}.hero p,.page-hero p{font-size:17px}
 .benefits,.market-cards,.steps,.footer-grid{grid-template-columns:1fr}
 .benefit{border-right:0;border-bottom:1px solid var(--fra-border);padding-bottom:22px}
 .actions .btn{width:100%}
}