.fm-specialist-page{background:#fff;color:#111;font-family:inherit}.fm-specialist-page *{box-sizing:border-box}.fm-specialist-page h1,.fm-specialist-page h2,.fm-specialist-page h3{color:inherit;letter-spacing:-.042em;line-height:1.12}.fm-specialist-page h1 em,.fm-specialist-page h2 em{font-family:Georgia,serif;font-weight:400;letter-spacing:-.05em}.fm-specialist-page p{line-height:1.7}.fm-sp-hero{padding:clamp(50px,7vw,95px) 0;background:#f5f5f5}.fm-sp-hero-grid,.fm-sp-two{display:grid;grid-template-columns:1.25fr .75fr;gap:clamp(30px,6vw,100px);align-items:center}.fm-sp-hero h1{font-size:clamp(42px,5vw,72px);margin:16px 0 24px}.fm-sp-lead{font-size:clamp(16px,1.5vw,20px);color:#515151;max-width:650px}.fm-sp-actions{display:flex;gap:22px;align-items:center;flex-wrap:wrap;margin:28px 0}.fm-sp-primary{display:inline-flex;align-items:center;justify-content:space-between;gap:25px;padding:14px 22px;min-height:49px;background:#111;border:1px solid #111;color:#fff!important;font-size:13px;font-weight:700;font-family:inherit;text-decoration:none;cursor:pointer}.fm-sp-textlink{font-size:13px;color:#111;font-weight:700;text-decoration:underline;text-underline-offset:5px}.fm-sp-side{background:#111;color:#fff;padding:clamp(25px,3vw,45px);min-height:310px;display:flex;flex-direction:column;justify-content:center}.fm-sp-side span{color:#aaa;font-size:10px;letter-spacing:.16em}.fm-sp-side h2{font-size:clamp(23px,2.6vw,35px);margin:18px 0}.fm-sp-side p{font-size:14px;color:#c9c9c9}.fm-sp-side strong{font-size:13px;margin-top:16px}.fm-sp-section{padding:clamp(65px,7vw,106px) 0}.fm-sp-section h2,.fm-sp-last h2{font-size:clamp(29px,3vw,45px);margin:13px 0 34px}.fm-sp-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:17px}.fm-sp-steps article{border:1px solid #ddd;padding:29px;min-height:215px}.fm-sp-steps b{color:#888;font-size:11px;letter-spacing:.1em}.fm-sp-steps h3{font-size:22px;margin:26px 0 12px}.fm-sp-steps p,.fm-sp-benefits p{font-size:14px;color:#555;margin:0}.fm-sp-grey{background:#f3f3f3}.fm-sp-two{grid-template-columns:1fr 1fr}.fm-sp-two p{font-size:15px;color:#555;max-width:570px}.fm-sp-figure{background:#fff;border:1px solid #dedede;padding:24px 29px}.fm-sp-figure div{display:flex;align-items:center;justify-content:space-between;gap:16px;border-bottom:1px solid #e3e3e3;padding:15px 0}.fm-sp-figure span{font-size:13px;color:#666}.fm-sp-figure strong{font-size:22px;white-space:nowrap}.fm-sp-figure small{display:block;margin:18px 0 0;color:#777;line-height:1.6}.fm-sp-benefits{display:grid;grid-template-columns:1fr 1fr;gap:0 35px}.fm-sp-benefits article{border-top:1px solid #ddd;padding:24px 0}.fm-sp-benefits h3{font-size:21px;margin:0 0 12px}.fm-sp-last{background:#121212;color:#fff;padding:80px 0}.fm-sp-last h2{color:#fff}.fm-sp-last p{color:#bbb}.fm-sp-last .fm-sp-primary{background:#fff;color:#111!important;justify-self:end}.fm-sp-disclaimer{padding-top:22px;padding-bottom:34px;font-size:11px;color:#777}.fm-sp-disclaimer a{color:#111;font-weight:700}.fm-calc-intro h1{max-width:900px}.fm-calc-intro p:not(.v2-kicker){max-width:780px;color:#555}.fm-calc-wrap{padding:65px 0 85px}.fm-calc-grid{display:grid;grid-template-columns:1fr .9fr;align-items:start;gap:clamp(30px,5vw,70px)}.fm-calc-form,.fm-calc-result{border:1px solid #dedede;padding:clamp(22px,3vw,42px)}.fm-calc-form h2{font-size:29px;margin:0 0 12px}.fm-muted{font-size:13px;color:#6d6d6d}.fm-small{font-size:11px}.fm-field{margin-top:20px}.fm-field label{font-size:12px;font-weight:700;display:block;margin-bottom:8px}.fm-field select,.fm-field input{width:100%;height:50px;background:#fff;border:1px solid #bdbdbd;border-radius:0;font-family:inherit;font-size:14px;padding:12px;color:#111}.fm-field input:focus,.fm-field select:focus{outline:2px solid #111;outline-offset:2px}.fm-money-input{position:relative}.fm-money-input span{position:absolute;left:14px;top:14px;font-weight:700;color:#777}.fm-money-input input{padding-left:34px}.fm-form-split{display:grid;grid-template-columns:1fr 1fr;gap:17px}.fm-calc-button{width:100%;justify-content:center;margin:27px 0 7px}.fm-calc-result{background:#111;color:#fff;border-color:#111;position:sticky;top:100px}.fm-calc-result .v2-kicker{color:#aaa}.fm-duty-value{font-size:clamp(40px,5vw,65px);font-weight:750;letter-spacing:-.07em;margin:16px 0 4px}.fm-result-label{color:#bfbfbf;font-size:13px;margin:0 0 25px}.fm-breakdown>div{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:14px 0;border-bottom:1px solid #3f3f3f}.fm-breakdown span{color:#bcbcbc;font-size:12px}.fm-breakdown strong{color:#fff;font-size:16px}.fm-breakdown .fm-total span{color:#fff}.fm-breakdown .fm-total strong{font-size:22px}.fm-duty-messages{font-size:12px;color:#bfbfbf;margin:22px 0}.fm-duty-messages p{font-size:12px;margin:8px 0}.fm-duty-messages strong{color:#fff}.fm-official-link{font-size:12px;font-weight:700;color:#fff!important;text-underline-offset:5px}.fm-calc-result .fm-muted{color:#aaa}.fm-duty-source-intro{max-width:700px;color:#555}.fm-source-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:27px}.fm-source-grid a{display:flex;flex-direction:column;gap:7px;padding:20px;border:1px solid #ccc;color:#111;font-size:12px;line-height:1.5;font-weight:700}.fm-source-grid span{font-size:10px;color:#777;letter-spacing:.1em}@media(max-width:900px){.fm-sp-hero-grid,.fm-calc-grid{grid-template-columns:1fr}.fm-calc-result{position:static}.fm-source-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:700px){.fm-sp-two,.fm-sp-steps,.fm-sp-benefits,.fm-form-split{grid-template-columns:1fr}.fm-sp-steps article{min-height:0}.fm-sp-figure strong{font-size:19px}.fm-sp-last .fm-sp-primary{justify-self:start}.fm-source-grid{grid-template-columns:1fr 1fr}.fm-sp-hero h1{font-size:42px}}