html body .fmc47{color:#163244;background:#fff;font:400 17px/1.7 system-ui,-apple-system,"Segoe UI",sans-serif;width:100%;max-width:1180px;margin:0 auto;box-sizing:border-box;overflow-wrap:anywhere}
html body .fmc47 *,html body .fmc47 *::before,html body .fmc47 *::after{box-sizing:border-box}
html body .fmc47 .fmc47-hero{padding:clamp(26px,5vw,64px);border-bottom:5px solid #e67624;background:#082c40;color:#fff}
html body .fmc47 .fmc47-hero h1{font-size:clamp(29px,4vw,48px);line-height:1.16;color:#fff!important;-webkit-text-fill-color:#fff!important;margin:10px 0 22px;font-weight:800;letter-spacing:-.02em;max-width:24ch}
html body .fmc47 .fmc47-kicker{text-transform:uppercase;letter-spacing:.1em;font-size:12px;font-weight:800;color:#f9bc83!important;margin:0}
html body .fmc47 .fmc47-intro{color:#ecf3f6!important;max-width:74ch;margin:0 0 24px;font-size:19px}
html body .fmc47 .fmc47-body{padding:clamp(18px,4vw,54px)}
html body .fmc47 section{margin:0 0 44px;scroll-margin-top:140px}
html body .fmc47 h2{font-size:clamp(24px,2.7vw,31px);line-height:1.25;color:#082c40!important;-webkit-text-fill-color:#082c40!important;font-weight:800;margin:0 0 18px}
html body .fmc47 h3{font-size:21px;line-height:1.3;color:#082c40!important;margin:0 0 12px}
html body .fmc47 p,html body .fmc47 li{color:inherit;margin-top:0}
html body .fmc47 p{margin-bottom:18px}html body .fmc47 ul{padding-left:24px;margin-left:0}html body .fmc47 li{margin-bottom:9px}
html body .fmc47 a{color:#075b80;text-decoration:underline;text-underline-offset:.18em;font-weight:650;overflow-wrap:anywhere}
html body .fmc47 a:focus-visible,html body .fmc47 summary:focus-visible,html body .fmc47 input:focus-visible,html body .fmc47 button:focus-visible{outline:3px solid #d45500;outline-offset:4px}
html body .fmc47 .fmc47-links{display:flex;flex-wrap:wrap;gap:12px;margin:12px 0}
html body .fmc47 .fmc47-links>a{display:inline-flex;align-items:center;min-height:44px;max-width:100%;padding:10px 15px;background:#edf4f6;border:1px solid #b4cbd4;border-radius:5px;color:#06445e;font-size:15px}
html body .fmc47 .fmc47-hero .fmc47-links>a{background:#efff3f;border-color:#efff3f;color:#111!important}
html body .fmc47 .fmc47-table{max-width:100%;overflow-x:auto;margin:20px 0 24px;border:1px solid #cad9df;border-radius:5px}
html body .fmc47 table{border-collapse:collapse;width:100%;font-size:15px;margin:0;background:#fff;border:0}
html body .fmc47 th,html body .fmc47 td{padding:15px 16px;text-align:left;vertical-align:top;border:0;border-bottom:1px solid #dce6e9;min-width:145px;color:#163244}
html body .fmc47 th{background:#e7f0f3;font-weight:800;color:#082c40}
html body .fmc47 tr:nth-child(even) td{background:#f7f9fa}
html body .fmc47 .fmc47-note{padding:20px 22px;background:#fff6e9;border-left:4px solid #e67624;margin:22px 0;color:#493019}
html body .fmc47 .fmc47-note p:last-child{margin:0}
html body .fmc47 details{border-bottom:1px solid #cbd9df;padding:16px 0}
html body .fmc47 summary{cursor:pointer;font-weight:750;color:#082c40;padding:6px 0}
html body .fmc47 details p{padding:12px 0 0;margin:0}
html body .fmc47 .fmc47-calculator{padding:24px;background:#eef5f7;border:1px solid #b5cdd7;border-radius:7px;margin:20px 0}
html body .fmc47 .fmc47-fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
html body .fmc47 .fmc47-fields label{display:block;font-size:15px;font-weight:750;color:#163244}
html body .fmc47 .fmc47-fields label span{display:block;color:#425e6a;font-weight:400;font-size:13px;margin:2px 0 5px}
html body .fmc47 input{width:100%;min-width:0;background:#fff;color:#132f41;border:1px solid #718d99;border-radius:4px;padding:11px 12px;font:inherit;min-height:46px}
html body .fmc47 button{background:#0a405a;color:#fff;border:0;border-radius:4px;min-height:46px;padding:11px 24px;font:700 16px/1.4 system-ui;cursor:pointer;margin:20px 0 0}
html body .fmc47 .fmc47-result{background:#fff;padding:18px;margin-top:20px;border-left:4px solid #397665;color:#12372e;font-weight:600}
html body .fmc47 .fmc47-result:empty{display:none}html body .fmc47 .fmc47-result[data-error]{border-color:#b93624;color:#7d2218}
html body .fmc47 .fmc47-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
html body .fmc47 .fmc47-cards>div{padding:22px;background:#f0f5f6;border:1px solid #d1dfe4;border-radius:6px}
html body .fmc47 .fmc47-byline{font-size:13px;color:#4c6571;border-top:1px solid #d4e0e5;padding-top:18px}
html body .fmc47 .fmc47-flow{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:20px 0}
html body .fmc47 .fmc47-flow li{flex:1 1 160px;padding:18px;background:#eaf2f5;border-top:4px solid #d96a21;position:relative;font-weight:700;color:#082c40}
html body .fmc47 .fmc47-flow small{display:block;font-weight:400;line-height:1.5;margin-top:8px}
@media(max-width:650px){html body .fmc47 .fmc47-fields,html body .fmc47 .fmc47-cards{grid-template-columns:minmax(0,1fr)}html body .fmc47 .fmc47-calculator{padding:16px}html body .fmc47 .fmc47-hero{padding:28px 20px}html body .fmc47 .fmc47-intro{font-size:17px}html body .fmc47 th,html body .fmc47 td{padding:12px;min-width:130px}}
@media print{html body .fmc47 .fmc47-hero{background:#fff;color:#111}html body .fmc47 .fmc47-hero h1,html body .fmc47 .fmc47-intro{color:#111!important;-webkit-text-fill-color:#111!important}html body .fmc47 .fmc47-table{overflow:visible}html body .fmc47 section{break-inside:auto}html body .fmc47 .fmc47-calculator button{display:none}}
html body .fmc47-home-question{display:block;background:#fff;color:#163244;padding:18px 22px;border:1px solid #cfdee4;border-radius:5px;margin:12px 0}html body .fmc47-home-question summary{cursor:pointer;font:750 18px/1.45 system-ui;color:#082c40}html body .fmc47-home-question summary span{color:#ad480d;margin-right:8px}html body .fmc47-home-question>div{padding-top:15px}html body .fmc47-home-question summary:focus-visible{outline:3px solid #d96a21;outline-offset:4px}html body .fmc47-home-tools{display:flex;flex-wrap:wrap;align-items:center;gap:10px;padding:18px;margin:0 0 22px;background:#edf4f6;border:1px solid #bdcfd7;border-radius:5px;color:#082c40}html body .fmc47-home-tools a{display:inline-flex;min-height:44px;align-items:center;padding:8px 12px;background:#fff;border:1px solid #b4cbd4;border-radius:4px;color:#075b80;text-decoration:underline;font-weight:700}