.ffh{--navy: #0a1628;--navy-mid: #1a3060;--navy-light: #0f2040;--gold: #d4a017;--gold-light: #f0c040;--white: #ffffff;--off-white: #f7f6f2;--light-gray: #f0eff0;--text-dark: #111827;--text-mid: #4b5563;--text-light: #9ca3af;--green: #1a7a50;--green-bg: #e6f3ec;--radius-sm: 6px;--radius-md: 10px;--radius-lg: 14px;--radius-xl: 20px;font-family:Inter,sans-serif;font-size:16px;color:var(--text-dark);background:var(--white);line-height:1.6}.ffh *,.ffh *:before,.ffh *:after{box-sizing:border-box}html{scroll-behavior:smooth}.ffh h1,.ffh h2,.ffh h3,.ffh h4,.ffh .nav-brand{font-family:Sora,sans-serif}.ffh nav{position:sticky;top:0;z-index:100;background:var(--navy);padding:0 5%;display:flex;align-items:center;justify-content:space-between;height:68px;box-shadow:0 2px 20px #00000040}.ffh .nav-logo{display:flex;align-items:center;gap:10px;text-decoration:none}.ffh .nav-logo-img{height:88px;width:auto;object-fit:contain;filter:invert(1) brightness(2)}.ffh .nav-brand{color:#fff;font-size:15px;font-weight:600;letter-spacing:.01em}.ffh .nav-links{display:flex;gap:28px;list-style:none;margin:0;padding:0}.ffh .nav-links a{color:#ffffffa6;text-decoration:none;font-size:14px;transition:color .2s}.ffh .nav-links a:hover{color:#fff}.ffh .nav-cta{background:var(--gold);color:var(--navy);padding:10px 20px;border-radius:var(--radius-md);font-size:14px;font-weight:600;font-family:Sora,sans-serif;border:none;cursor:pointer;text-decoration:none;transition:background .2s,transform .15s}.ffh .nav-cta:hover{background:var(--gold-light);transform:translateY(-1px)}.ffh #hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 60%,var(--navy-light) 100%);padding:80px 5% 72px;position:relative;overflow:hidden}.ffh #hero:before{content:"";position:absolute;top:-80px;right:-80px;width:400px;height:400px;border-radius:50%;background:#d4a0170f;pointer-events:none}.ffh #hero:after{content:"";position:absolute;bottom:-60px;left:30%;width:250px;height:250px;border-radius:50%;background:#d4a0170a;pointer-events:none}.ffh .hero-badge{display:inline-flex;align-items:center;gap:6px;background:#d4a0171f;border:1px solid rgba(212,160,23,.35);color:var(--gold);font-size:12px;font-weight:500;padding:5px 14px;border-radius:20px;margin-bottom:22px}.ffh .hero-badge span{width:6px;height:6px;background:var(--gold);border-radius:50%;animation:ffh-pulse 2s infinite}@keyframes ffh-pulse{0%,to{opacity:1}50%{opacity:.3}}.ffh #hero h1{color:#fff;font-size:clamp(28px,4vw,44px);font-weight:600;line-height:1.2;max-width:640px;margin-bottom:20px}.ffh #hero h1 em{color:var(--gold);font-style:normal}.ffh #hero p{color:#ffffffad;font-size:17px;max-width:540px;margin-bottom:32px;line-height:1.65}.ffh .hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:48px}.ffh .btn-primary{background:var(--gold);color:var(--navy);padding:14px 28px;border-radius:var(--radius-md);font-size:15px;font-weight:600;font-family:Sora,sans-serif;border:none;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:background .2s,transform .15s}.ffh .btn-primary:hover{background:var(--gold-light);transform:translateY(-1px)}.ffh .btn-outline{background:transparent;color:#fff;padding:14px 28px;border-radius:var(--radius-md);font-size:15px;font-weight:500;border:1px solid rgba(255,255,255,.3);cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;gap:8px;transition:border-color .2s,background .2s}.ffh .btn-outline:hover{border-color:#fff9;background:#ffffff0f}.ffh .hero-stats{display:flex;gap:0;border-top:1px solid rgba(255,255,255,.1);padding-top:36px;flex-wrap:wrap}.ffh .hero-stat{flex:1;min-width:140px;padding-right:32px}.ffh .hero-stat+.hero-stat{padding-left:32px;border-left:1px solid rgba(255,255,255,.1)}.ffh .stat-num{color:var(--gold);font-size:26px;font-weight:600;font-family:Sora,sans-serif}.ffh .stat-lbl{color:#ffffff80;font-size:13px;margin-top:3px}.ffh section{padding:64px 5%}.ffh .section-tag{display:inline-block;font-size:11px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);background:#d4a0171a;border:1px solid rgba(212,160,23,.25);padding:4px 12px;border-radius:20px;margin-bottom:12px}.ffh .section-heading{font-size:clamp(22px,2.8vw,32px);font-weight:600;color:var(--text-dark);margin-bottom:8px;line-height:1.25}.ffh .section-sub{font-size:16px;color:var(--text-mid);max-width:560px;line-height:1.6}.ffh .section-sub.light{color:#fff9}.ffh #facts{background:var(--white)}.ffh .facts-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin-top:36px}.ffh .fact-card{background:var(--off-white);border-radius:var(--radius-lg);padding:28px 22px;border:1px solid #e8e6e0;transition:border-color .2s,transform .2s}.ffh .fact-card:hover{border-color:var(--gold);transform:translateY(-2px)}.ffh .fact-icon{width:44px;height:44px;background:var(--navy);border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;margin-bottom:16px}.ffh .fact-icon svg{width:22px;height:22px;stroke:var(--gold);fill:none;stroke-width:1.8}.ffh .fact-value{font-size:20px;font-weight:600;font-family:Sora,sans-serif;color:var(--navy);margin-bottom:6px}.ffh .fact-label{font-size:13px;color:var(--text-mid);line-height:1.5}.ffh #how{background:var(--off-white);border-top:1px solid #e8e6e0;border-bottom:1px solid #e8e6e0}.ffh .steps-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:0;margin-top:40px;position:relative}.ffh .steps-row:before{content:"";position:absolute;top:26px;left:calc(12.5% + 0px);right:calc(12.5% + 0px);height:1px;background:#d1cec6;z-index:0}.ffh .step{text-align:center;padding:0 16px;position:relative;z-index:1}.ffh .step-circle{width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;font-size:16px;font-weight:600;font-family:Sora,sans-serif;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;border:3px solid var(--off-white)}.ffh .step h4{font-size:14px;font-weight:600;color:var(--navy);margin-bottom:8px}.ffh .step p{font-size:13px;color:var(--text-mid);line-height:1.55}.ffh #calculator{background:var(--white)}.ffh .calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-top:36px;align-items:start}@media(max-width:700px){.ffh .calc-grid{grid-template-columns:1fr}}.ffh .calc-inputs{display:flex;flex-direction:column;gap:24px}.ffh .field-label{font-size:13px;font-weight:500;color:var(--text-mid);margin-bottom:8px;display:block}.ffh .field-value{font-size:18px;font-weight:600;font-family:Sora,sans-serif;color:var(--navy);margin-top:6px}.ffh input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:4px;background:#e0ddd6;border-radius:2px;outline:none;cursor:pointer}.ffh input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--navy);border:3px solid var(--gold);cursor:pointer}.ffh input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--navy);border:3px solid var(--gold);cursor:pointer}.ffh .calc-result-panel{background:var(--navy);border-radius:var(--radius-xl);padding:32px 28px}.ffh .calc-result-panel h3{font-size:14px;font-weight:500;color:#ffffff80;margin-bottom:24px;text-transform:uppercase;letter-spacing:.08em}.ffh .result-row{display:flex;justify-content:space-between;align-items:center;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.07)}.ffh .result-row:last-of-type{border-bottom:none}.ffh .result-label{font-size:13px;color:#ffffff8c}.ffh .result-value{font-size:15px;font-weight:600;font-family:Sora,sans-serif;color:#fff}.ffh .result-row.highlight .result-value{color:var(--gold);font-size:22px}.ffh .calc-disclaimer{font-size:11px;color:#ffffff47;margin-top:18px;line-height:1.6}.ffh #explainer{background:var(--off-white);border-top:1px solid #e8e6e0}.ffh .explainer-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;margin-top:36px;align-items:center}@media(max-width:700px){.ffh .explainer-grid{grid-template-columns:1fr}}.ffh .video-wrapper{background:var(--navy);border-radius:var(--radius-xl);aspect-ratio:16/9;display:flex;align-items:center;justify-content:center;flex-direction:column;gap:14px;cursor:pointer;position:relative;overflow:hidden;transition:transform .2s}.ffh .video-wrapper:hover{transform:scale(1.01)}.ffh .play-circle{width:60px;height:60px;border-radius:50%;background:var(--gold);display:flex;align-items:center;justify-content:center}.ffh .play-circle svg{width:26px;height:26px;fill:var(--navy);margin-left:4px}.ffh .video-caption{color:#fff9;font-size:13px;text-align:center;padding:0 20px}.ffh .explainer-text h3{font-size:22px;font-weight:600;color:var(--navy);margin-bottom:14px;line-height:1.3}.ffh .explainer-text p{font-size:15px;color:var(--text-mid);margin-bottom:20px;line-height:1.65}.ffh .check-list{list-style:none;display:flex;flex-direction:column;gap:10px;padding:0;margin:0}.ffh .check-list li{display:flex;align-items:flex-start;gap:10px;font-size:14px;color:var(--text-mid)}.ffh .check-list li:before{content:"";width:18px;height:18px;border-radius:50%;background:var(--green-bg);border:1.5px solid var(--green);flex-shrink:0;margin-top:1px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231a7a50' stroke-width='2.5'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:center;background-size:11px}.ffh #qualify{background:var(--white)}.ffh .progress-bar{display:flex;gap:8px;margin:28px 0;max-width:600px}.ffh .progress-step{flex:1;padding:8px 6px;border-radius:var(--radius-sm);text-align:center;font-size:12px;font-weight:500;border:1px solid #e0ddd6;color:var(--text-light);background:var(--off-white);transition:all .3s}.ffh .progress-step.active{background:var(--navy);color:#fff;border-color:var(--navy)}.ffh .progress-step.done{background:var(--green-bg);color:var(--green);border-color:#b3d9c1}.ffh .q-panel{background:var(--off-white);border-radius:var(--radius-xl);padding:40px;max-width:580px;border:1px solid #e0ddd6}.ffh .q-panel h3{font-size:20px;font-weight:600;color:var(--navy);margin-bottom:8px;line-height:1.3}.ffh .q-panel p{font-size:14px;color:var(--text-mid);margin-bottom:24px}.ffh .q-options{display:flex;flex-wrap:wrap;gap:10px}.ffh .q-option{padding:12px 24px;border-radius:var(--radius-md);border:1.5px solid #d1cec6;background:#fff;font-size:14px;font-weight:500;color:var(--text-dark);cursor:pointer;transition:all .2s}.ffh .q-option:hover{border-color:var(--navy);color:var(--navy)}.ffh .q-option.selected{background:var(--navy);color:#fff;border-color:var(--navy)}.ffh .q-nav{display:flex;justify-content:space-between;align-items:center;margin-top:28px}.ffh .btn-next{background:var(--navy);color:#fff;padding:11px 24px;border-radius:var(--radius-md);font-size:14px;font-weight:600;font-family:Sora,sans-serif;border:none;cursor:pointer;display:flex;align-items:center;gap:6px;transition:background .2s}.ffh .btn-next:hover:not(:disabled){background:#1a3060}.ffh .btn-next:disabled{opacity:.4;cursor:not-allowed}.ffh .btn-back{background:transparent;color:var(--text-mid);font-size:14px;border:none;cursor:pointer;display:flex;align-items:center;gap:4px}.ffh .q-result{background:var(--green-bg);border:1px solid #b3d9c1;border-radius:var(--radius-lg);padding:24px;margin-top:16px}.ffh .q-result.fail{background:#fef2f2;border-color:#fecaca}.ffh .q-result h4{font-size:16px;font-weight:600;color:var(--green);margin-bottom:6px}.ffh .q-result.fail h4{color:#b91c1c}.ffh .q-result p{font-size:13px;color:var(--text-mid);margin-bottom:0}.ffh #contact{background:var(--navy);padding:80px 5%;text-align:center}.ffh #contact .section-tag{color:var(--gold);background:#d4a0171f;border-color:#d4a0174d}.ffh #contact .section-heading{color:#fff}.ffh .contact-form{max-width:500px;margin:36px auto 0;text-align:left}.ffh .form-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:12px}@media(max-width:480px){.ffh .form-row{grid-template-columns:1fr}}.ffh .form-field{margin-bottom:12px}.ffh .form-field input,.ffh .form-field select{width:100%;background:#ffffff12;border:1px solid rgba(255,255,255,.14);border-radius:var(--radius-md);padding:13px 16px;color:#fff;font-size:14px;font-family:Inter,sans-serif;outline:none;transition:border-color .2s}.ffh .form-field input::placeholder{color:#ffffff59}.ffh .form-field input:focus,.ffh .form-field select:focus{border-color:var(--gold)}.ffh .form-field select{color:#ffffffa6;cursor:pointer}.ffh .form-field select option{background:var(--navy);color:#fff}.ffh .checkbox-group{margin-top:4px}.ffh .checkbox-label{display:block;font-size:13px;font-weight:500;color:#ffffffa6;margin-bottom:10px}.ffh .checkbox-row{display:flex;align-items:flex-start;gap:10px;margin-bottom:10px;cursor:pointer;font-size:14px;color:#ffffffd9;line-height:1.5}.ffh .checkbox-row input[type=checkbox]{-webkit-appearance:none;appearance:none;width:18px;height:18px;min-width:18px;border:1.5px solid rgba(255,255,255,.25);border-radius:4px;background:#ffffff12;cursor:pointer;margin-top:1px;display:grid;place-content:center;transition:border-color .2s,background .2s}.ffh .checkbox-row input[type=checkbox]:checked{background:var(--gold);border-color:var(--gold)}.ffh .checkbox-row input[type=checkbox]:after{content:"";width:10px;height:10px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230a1628' stroke-width='3'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:center;background-size:contain;transform:scale(0);transition:transform .15s}.ffh .checkbox-row input[type=checkbox]:checked:after{transform:scale(1)}.ffh .form-submit{margin-top:8px}.ffh .btn-submit{width:100%;background:var(--gold);color:var(--navy);padding:15px 28px;border-radius:var(--radius-md);font-size:15px;font-weight:700;font-family:Sora,sans-serif;border:none;cursor:pointer;transition:background .2s,transform .15s}.ffh .btn-submit:hover{background:var(--gold-light);transform:translateY(-1px)}.ffh .form-legal{font-size:11px;color:#ffffff47;margin-top:16px;line-height:1.65;text-align:center}.ffh #faq{background:var(--off-white);border-top:1px solid #e0ddd6}.ffh .faq-list{margin-top:32px;max-width:720px}.ffh .faq-item{border-bottom:1px solid #e0ddd6}.ffh .faq-question{display:flex;justify-content:space-between;align-items:center;padding:18px 0;cursor:pointer;gap:16px}.ffh .faq-question h4{font-size:15px;font-weight:500;color:var(--navy);line-height:1.4}.ffh .faq-toggle{width:28px;height:28px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:18px;line-height:1;transition:background .2s,transform .2s}.ffh .faq-item.open .faq-toggle{transform:rotate(45deg);background:var(--gold);color:var(--navy)}.ffh .faq-answer{display:none;padding:0 0 18px;font-size:14px;color:var(--text-mid);line-height:1.7;max-width:640px}.ffh .faq-item.open .faq-answer{display:block}.ffh footer{background:#060e1a;padding:28px 5%;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}.ffh .footer-logo{display:flex;align-items:center;gap:10px}.ffh .footer-logo-box{width:32px;height:32px;background:#ffffff1a;border-radius:var(--radius-sm);display:flex;align-items:center;justify-content:center;overflow:hidden}.ffh .footer-logo-box img{width:100%;height:100%;object-fit:contain;padding:2px}.ffh .footer-brand{color:#ffffff80;font-size:13px}.ffh .footer-links{display:flex;gap:20px}.ffh .footer-links a{color:#ffffff4d;font-size:12px;text-decoration:none}.ffh .footer-links a:hover{color:#fff9}.ffh .footer-legal{width:100%;font-size:11px;color:#fff3;line-height:1.65;padding-top:16px;border-top:1px solid rgba(255,255,255,.06)}@media(max-width:768px){.ffh .nav-links{display:none}.ffh .hero-stats{gap:20px}.ffh .hero-stat+.hero-stat{padding-left:20px}.ffh .steps-row:before{display:none}.ffh .step{margin-bottom:28px}}