:root {
    --fbm-primary: #0f3d91;
    --fbm-accent: #0fb5a8;
    --fbm-bg: #eef5ff;
    --fbm-cta: #ff7a1a;
    --fbm-text: #18212f;
    --fbm-soft: #dce9fb;
}

body {
    background: linear-gradient(180deg, #f7fbff 0%, var(--fbm-bg) 100%);
    color: var(--fbm-text);
}

.spn-header,
.spn-nav {
    background: #082b67;
}

.spn-logo,
.spn-nav a {
    color: #ffffff;
}

.spn-nav a:hover,
.spn-nav a:focus {
    color: #9ce8df;
}

.fbm-hero,
.fbm-page-hero {
    background: linear-gradient(135deg, #082b67 0%, var(--fbm-primary) 55%, #1978c7 100%);
    color: #ffffff;
    border-radius: 22px;
    padding: 3rem 2rem;
    margin: 2rem auto;
    box-shadow: 0 20px 45px rgba(8, 43, 103, 0.18);
}

.fbm-hero h1,
.fbm-page-hero h1 {
    margin-top: 0;
    font-size: 2.4rem;
}

.fbm-lead,
.fbm-page-hero p {
    font-size: 1.08rem;
    max-width: 60rem;
}

.fbm-grid,
.fbm-card-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 1.25rem;
    margin: 2rem 0;
}

.fbm-card,
.fbm-panel {
    background: #ffffff;
    border: 1px solid #d7e4f6;
    border-radius: 18px;
    padding: 1.4rem;
    box-shadow: 0 10px 26px rgba(15, 61, 145, 0.08);
}

.fbm-card h2,
.fbm-card h3,
.fbm-panel h2,
.fbm-panel h3 {
    margin-top: 0;
}

.fbm-cta-row {
    display: flex;
    flex-wrap: wrap;
    gap: 0.9rem;
    margin-top: 1.5rem;
}

.fbm-btn {
    display: inline-block;
    background: var(--fbm-cta);
    color: #ffffff;
    padding: 0.85rem 1.2rem;
    border-radius: 999px;
    font-weight: 700;
    text-decoration: none;
}

.fbm-btn.alt {
    background: #ffffff;
    color: #082b67;
}

.fbm-form-wrap {
    background: #ffffff;
    border: 1px solid #d6e2f3;
    border-radius: 20px;
    padding: 1.6rem;
    box-shadow: 0 14px 34px rgba(15, 61, 145, 0.1);
}

.fbm-form-grid {
    display: grid;
    gap: 1rem;
}

.fbm-form-wrap label {
    display: block;
    font-weight: 700;
    margin-bottom: 0.35rem;
}

.fbm-form-wrap input,
.fbm-form-wrap textarea {
    width: 100%;
    border: 1px solid #bfd2ef;
    border-radius: 12px;
    padding: 0.85rem 0.95rem;
    font: inherit;
    background: #fbfdff;
}

.fbm-form-wrap input:focus,
.fbm-form-wrap textarea:focus {
    outline: 2px solid rgba(15, 181, 168, 0.18);
    border-color: var(--fbm-accent);
}

.fbm-note,
.fbm-success,
.fbm-error {
    border-radius: 14px;
    padding: 1rem 1.1rem;
    margin: 1rem 0;
}

.fbm-success {
    background: #e8fbf7;
    color: #0f5f57;
}

.fbm-error {
    background: #fff1ea;
    color: #8c3b0a;
}

.fbm-note {
    background: #eff7ff;
    color: #204268;
}

.fbm-list {
    padding-left: 1.2rem;
}

.fbm-list li {
    margin-bottom: 0.55rem;
}