/**handles:ftm-terms**/
.ftm-signup-consent{margin:14px 0 8px}.ftm-consent-row{display:flex;gap:10px;align-items:flex-start;padding:12px 12px;border-radius:14px;border:1px solid rgba(0,44,71,.12);background:rgba(246,250,252,.7);line-height:1.45}.ftm-consent-row input[type=checkbox]{margin-top:2px;transform:scale(1.05)}.ftm-consent-row a{color:#288ff6;font-weight:800;text-decoration:none}.ftm-consent-row a:hover{text-decoration:underline}.ftm-terms{max-width:1040px;margin:50px auto;background:#fff;border-radius:22px;border:1px solid rgba(0,44,71,.12);box-shadow:0 18px 55px rgba(0,44,71,.14);overflow:hidden;color:#0f172a}.ftm-policy-nav{display:flex;flex-wrap:wrap;gap:8px;padding:14px 14px;background:rgba(246,250,252,.85);border-bottom:1px solid rgba(0,44,71,.1);position:sticky;top:0;z-index:5}.ftm-policy-btn{appearance:none;border:1px solid rgba(0,44,71,.14);background:#fff;color:#002c47;padding:8px 12px;border-radius:999px;cursor:pointer;font-weight:900;line-height:1;font-size:13px}.ftm-policy-btn.active{background:linear-gradient(135deg,#00c4cc,#288ff6);color:#fff;border-color:transparent;box-shadow:0 12px 26px rgba(0,44,71,.14)}.ftm-policies{padding:0}.ftm-policy{display:none;padding:22px 22px 28px}.ftm-policy.active{display:block}.ftm-policy-head{display:flex;flex-wrap:wrap;gap:10px 14px;align-items:flex-end;justify-content:space-between;padding:14px 14px;border-radius:18px;border:1px solid rgba(0,44,71,.1);background:radial-gradient(900px 240px at 10% 0,rgba(0,196,204,.13),transparent 55%),radial-gradient(900px 240px at 100% 30%,rgba(40,143,246,.12),transparent 60%),#fff;box-shadow:0 12px 30px rgba(0,44,71,.1)}.ftm-policy-title{margin:0;color:#002c47;font-size:20px;font-weight:950;letter-spacing:-.02em}.ftm-policy-updated{font-size:13px;color:rgba(15,23,42,.7)}.ftm-policy-updated strong{color:#002c47}.ftm-policy-note{width:100%;font-size:12.5px;color:rgba(15,23,42,.64)}.ftm-policy-body{margin-top:14px}.ftm-policy-body p{font-size:15.5px;line-height:1.8;color:rgba(15,23,42,.82);margin:10px 0 14px}.ftm-policy-body h2,.ftm-policy-body h3{color:#002c47}.ftm-policy-body h3{margin-top:18px;font-weight:900}.ftm-policy-body ol,.ftm-policy-body ul{padding-left:20px}.ftm-policy-body li{margin:8px 0;line-height:1.75}body.ftm-modal-lock{overflow:hidden!important}.ftm-modal-overlay{position:fixed;inset:0;z-index:999999;background:rgba(2,12,22,.62);display:flex;align-items:center;justify-content:center;padding:18px}.ftm-modal{width:min(620px,96vw);border-radius:22px;border:1px solid rgba(0,44,71,.18);box-shadow:0 22px 70px rgba(0,0,0,.35);background:radial-gradient(900px 260px at 10% 0,rgba(0,196,204,.16),transparent 55%),radial-gradient(900px 260px at 100% 30%,rgba(40,143,246,.14),transparent 60%),#fff;overflow:hidden}.ftm-modal__header{padding:18px 18px 10px;border-bottom:1px solid rgba(0,44,71,.1)}.ftm-modal__title{font-size:18px;font-weight:900;color:#002c47;letter-spacing:-.02em}.ftm-modal__sub{margin-top:6px;color:rgba(15,23,42,.72);line-height:1.55}.ftm-modal__body{padding:14px 18px 6px}.ftm-modal__note{border-radius:16px;padding:12px 12px;border:1px solid rgba(0,44,71,.12);background:rgba(255,255,255,.74);color:rgba(15,23,42,.78);line-height:1.6}.ftm-modal__actions{display:flex;gap:10px;padding:12px 18px 14px;justify-content:flex-end}.ftm-btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:14px;padding:10px 14px;font-weight:900;cursor:pointer;border:1px solid rgba(0,44,71,.14);text-decoration:none!important}.ftm-btn--ghost{background:rgba(255,255,255,.78);color:#002c47}.ftm-btn--primary{background:linear-gradient(135deg,#00c4cc,#288ff6);color:#fff;border-color:rgba(0,44,71,.06);box-shadow:0 14px 34px rgba(0,44,71,.16)}.ftm-btn[disabled]{opacity:.7;cursor:not-allowed}.ftm-modal__msg{padding:0 18px 16px;color:rgba(15,23,42,.72);font-size:13px}@media (max-width:640px){.ftm-policy{padding:16px 14px 22px}.ftm-policy-head{padding:12px 12px}}@media (max-width:520px){.ftm-modal__actions{flex-direction:column;align-items:stretch}}.ftm-terms{padding-right:32px;padding-left:26px}.ftm-policy-body{padding-right:12px}.ftm-policy-body li,.ftm-policy-body p{max-width:92%}.ftm-policy-body h2,.ftm-policy-body h3{max-width:100%}.ftm-consentbar{position:fixed;left:0;right:0;bottom:0;z-index:999998;background:rgba(255,255,255,.92);backdrop-filter:blur(8px);border-top:1px solid rgba(0,44,71,.14);box-shadow:0 -18px 40px rgba(0,44,71,.14);padding:10px 14px}.ftm-consentbar__inner{max-width:1040px;margin:0 auto;display:flex;align-items:center;justify-content:space-between;gap:12px}.ftm-consentbar__text{color:#002c47;font-weight:800;line-height:1.35}.ftm-consentbar__msg{max-width:1040px;margin:6px auto 0;color:rgba(15,23,42,.7);font-size:13px}@media (max-width:620px){.ftm-consentbar__inner{flex-direction:column;align-items:stretch}}.ftm-fluency-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px;margin:14px 0 18px}@media (max-width:720px){.ftm-fluency-cards{grid-template-columns:1fr}}.ftm-fluency-card{background:#fff;border:1px solid rgba(0,44,71,.12);border-radius:18px;box-shadow:0 12px 30px rgba(0,44,71,.1);padding:14px 14px 12px;position:relative;overflow:hidden}.ftm-fluency-card:before{content:"";position:absolute;inset:0;background:radial-gradient(600px 220px at 10% 0,rgba(0,196,204,.14),transparent 60%),radial-gradient(600px 220px at 100% 30%,rgba(40,143,246,.12),transparent 62%);opacity:.9;pointer-events:none}.ftm-fluency-badge,.ftm-fluency-desc,.ftm-fluency-title{position:relative;z-index:1}.ftm-fluency-badge{display:inline-flex;align-items:center;gap:6px;font-weight:950;color:#002c47;background:rgba(0,196,204,.14);border:1px solid rgba(0,196,204,.26);border-radius:999px;padding:6px 10px;font-size:12px;margin-bottom:8px}.ftm-fluency-title{font-size:15px;font-weight:950;color:#002c47;margin-bottom:6px;letter-spacing:-.01em}.ftm-fluency-desc{font-size:13.5px;line-height:1.6;color:rgba(15,23,42,.78)}.ftm-fluency-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:14px 0 6px}.ftm-fluency-card{border:1px solid rgba(0,44,71,.12);border-radius:18px;background:radial-gradient(700px 200px at 10% 0,rgba(0,196,204,.1),transparent 55%),radial-gradient(700px 200px at 100% 30%,rgba(40,143,246,.1),transparent 60%),#fff;box-shadow:0 12px 30px rgba(0,44,71,.08);padding:14px 14px}.ftm-fluency-badge{display:inline-flex;align-items:center;justify-content:center;padding:6px 10px;border-radius:999px;font-weight:900;font-size:12px;color:#fff;background:linear-gradient(135deg,#00c4cc,#288ff6);box-shadow:0 12px 26px rgba(0,44,71,.14);margin-bottom:10px}.ftm-fluency-title{font-weight:950;color:#002c47;letter-spacing:-.02em;font-size:15px;margin-bottom:6px}.ftm-fluency-desc{color:rgba(15,23,42,.74);line-height:1.7;font-size:14px}@media (max-width:900px){.ftm-fluency-cards{grid-template-columns:repeat(2,minmax(0,1fr))}}@media (max-width:560px){.ftm-fluency-cards{grid-template-columns:1fr}}.ftm-terms-inner{margin:0 0 18px}.ftm-terms-inner .ftm-hero{display:flex;flex-wrap:wrap;gap:14px 16px;align-items:stretch;justify-content:space-between;padding:18px 16px;border-radius:18px;border:1px solid rgba(0,44,71,.1);background:radial-gradient(900px 240px at 10% 0,rgba(0,196,204,.13),transparent 55%),radial-gradient(900px 240px at 100% 30%,rgba(40,143,246,.12),transparent 60%),#fff;box-shadow:0 12px 30px rgba(0,44,71,.1)}.ftm-terms-inner .ftm-hero__text{flex:1 1 420px;min-width:280px}.ftm-terms-inner .ftm-hero__text h2{margin:0 0 6px;font-size:20px;font-weight:950;color:#002c47;letter-spacing:-.02em}.ftm-terms-inner .ftm-lead{margin:10px 0 0;font-size:15.5px;line-height:1.7;color:rgba(15,23,42,.82)}.ftm-terms-inner .ftm-muted{color:rgba(15,23,42,.66);margin:0}.ftm-terms-inner .ftm-hero__badge{flex:0 1 260px;min-width:240px;display:flex;align-items:stretch}.ftm-terms-inner .ftm-badge{width:100%;border-radius:16px;padding:12px 12px;border:1px solid rgba(0,44,71,.12);background:rgba(255,255,255,.74)}.ftm-terms-inner .ftm-badge__title{font-weight:950;color:#002c47;margin-bottom:6px}.ftm-terms-inner .ftm-badge__sub{color:rgba(15,23,42,.72);line-height:1.45}.ftm-terms-inner .ftm-callouts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:12px;margin:12px 0 14px}.ftm-terms-inner .ftm-callout{border-radius:16px;padding:12px 12px;border:1px solid rgba(0,44,71,.1);background:#fff;box-shadow:0 10px 22px rgba(0,44,71,.08)}.ftm-terms-inner .ftm-callout__title{font-weight:950;color:#002c47;margin-bottom:6px}.ftm-terms-inner .ftm-callout__body{color:rgba(15,23,42,.78);line-height:1.55}.ftm-terms-inner .ftm-fluency{border-radius:18px;padding:14px 14px;border:1px solid rgba(0,44,71,.1);background:rgba(246,250,252,.7)}.ftm-terms-inner .ftm-fluency__head h3{margin:0 0 6px;color:#002c47;font-weight:950}.ftm-terms-inner .ftm-steps{margin-top:10px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}.ftm-terms-inner .ftm-step{display:flex;gap:10px;padding:12px 12px;border-radius:16px;border:1px solid rgba(0,44,71,.1);background:#fff}.ftm-terms-inner .ftm-step__dot{width:34px;height:34px;border-radius:999px;display:flex;align-items:center;justify-content:center;font-weight:950;color:#fff;background:linear-gradient(135deg,#00c4cc,#288ff6);flex:0 0 34px}.ftm-terms-inner .ftm-step__title{font-weight:950;color:#002c47;margin-bottom:4px}.ftm-terms-inner .ftm-step__text{color:rgba(15,23,42,.78);line-height:1.5}.ftm-terms-inner .ftm-hr{margin:16px 0;border:none;border-top:1px solid rgba(0,44,71,.1)}@media (max-width:860px){.ftm-terms-inner .ftm-callouts{grid-template-columns:1fr}.ftm-terms-inner .ftm-steps{grid-template-columns:1fr}.ftm-terms-inner .ftm-hero__badge{flex:1 1 260px}}.ftm-modal__read{width:100%;margin-top:12px}.ftm-modal__choice{display:flex;gap:10px;align-items:flex-start;margin-top:12px;padding:12px 12px;border-radius:16px;border:1px solid rgba(0,44,71,.14);background:rgba(246,250,252,.85);color:rgba(15,23,42,.82);line-height:1.55;font-weight:700}.ftm-modal__choice input[type=checkbox]{flex:0 0 auto;margin-top:4px;transform:scale(1.15)}.ftm-modal__actions--stack{justify-content:stretch}.ftm-modal__actions--stack .ftm-btn{width:100%}