*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body.fkbw-body{font-family:system-ui,-apple-system,'PingFang SC',sans-serif;background:#f1f6fa;color:#082b40;
line-height:1.75}
a{color:inherit;text-decoration:none}
.fkbw-container{max-width:1080px;margin:0 auto;padding:0 24px}
.fkbw-narrow{max-width:740px}
.fkbw-nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);
backdrop-filter:blur(10px);border-bottom:1px solid #ccdfec}
.fkbw-nav .fkbw-container{display:flex;align-items:center;height:66px}
.fkbw-logo{display:flex;align-items:center;gap:9px;font-weight:800;font-size:19px}
.fkbw-logo img{border-radius:8px}
.fkbw-navlinks{margin-left:auto;display:flex;align-items:center;gap:24px;
color:#156ca2}
.fkbw-navlinks a:hover{color:#166fa7}
.fkbw-cta{background:linear-gradient(135deg,#166fa7,#54afe8);color:#fff;
padding:11px 24px;border-radius:999px;font-weight:700}
.fkbw-hero{padding:80px 0;
background:linear-gradient(160deg,#96bed7,#d0e2ed 55%,#f1f6fa)}
.fkbw-hero-in{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;
align-items:center}
.fkbw-badge{display:inline-block;background:#ffffff;color:#166fa7;
padding:6px 14px;border-radius:999px;font-size:13px;font-weight:700}
.fkbw-hero h1{font-size:clamp(32px,5vw,54px);font-weight:900;margin:16px 0}
.fkbw-hero p{max-width:520px;color:#156ca2}
.fkbw-hero-dl{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}
.fkbw-hdl{display:inline-flex;align-items:center;padding:13px 24px;
border-radius:22px;background:#166fa7;color:#fff;font-weight:700;
font-size:15.5px;transition:.15s}
.fkbw-hdl:hover{transform:translateY(-2px);background:#54afe8;color:#082b40}
.fkbw-hero-card{background:#ffffff;border-radius:32px;padding:34px;
text-align:center;box-shadow:0 20px 50px rgba(0,0,0,.10)}
.fkbw-mini{display:flex;justify-content:space-around;margin-top:18px;
border-top:1px solid #ccdfec;padding-top:16px}
.fkbw-mini b{display:block;font-size:22px;color:#166fa7;font-weight:900}
.fkbw-mini span{font-size:12px;color:#156ca2}
.fkbw-sec{padding:76px 0}
.fkbw-band{padding:76px 0;background:#deebf3}
.fkbw-h2{text-align:center;font-size:clamp(24px,3.4vw,33px);font-weight:800}
.fkbw-lead{text-align:center;color:#156ca2;margin-top:10px}
.fkbw-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;
margin-top:42px}
.fkbw-card{background:#ffffff;border:1px solid #ccdfec;
border-radius:26px;padding:28px;box-shadow:0 8px 26px rgba(0,0,0,.05);
transition:.2s}
.fkbw-card:hover{transform:translateY(-5px);box-shadow:0 18px 44px rgba(0,0,0,.10)}
.fkbw-card h3{font-size:19px}
.fkbw-card p{color:#156ca2;margin-top:6px;font-size:15px}
.fkbw-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:42px}
.fkbw-step{background:#ffffff;border:1px solid #ccdfec;
border-radius:22px;padding:26px;text-align:center}
.fkbw-step span{display:inline-flex;width:44px;height:44px;border-radius:50%;
background:linear-gradient(135deg,#166fa7,#54afe8);color:#fff;font-weight:900;
align-items:center;justify-content:center;font-size:18px}
.fkbw-step h3{margin:12px 0 6px;font-size:17px}
.fkbw-step p{color:#156ca2;font-size:14px}
.fkbw-chips{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;
margin-top:36px}
.fkbw-chip{background:#ffffff;border:1px solid #ccdfec;padding:11px 20px;
border-radius:999px;font-weight:600}
.fkbw-chip b{color:#166fa7}
.fkbw-dl{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:38px}
.fkbw-dlcard{display:block;text-align:center;background:#ffffff;
border:1px solid #ccdfec;border-radius:22px;padding:30px 16px;
transition:.2s;box-shadow:0 8px 24px rgba(0,0,0,.04)}
.fkbw-dlcard:hover{transform:translateY(-5px);border-color:#166fa7;
box-shadow:0 16px 40px rgba(0,0,0,.10)}
.fkbw-dlcard h3{margin:10px 0 4px}
.fkbw-dlmeta{color:#156ca2;font-size:13px}
.fkbw-faq{margin-top:32px}
.fkbw-faq details{background:#ffffff;border:1px solid #ccdfec;
border-radius:18px;padding:2px 22px;margin-bottom:14px}
.fkbw-faq summary{cursor:pointer;font-weight:700;padding:18px 0;list-style:none}
.fkbw-faq summary::-webkit-details-marker{display:none}
.fkbw-faq p{color:#156ca2;padding-bottom:18px}
.fkbw-quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:38px}
.fkbw-quote{background:#ffffff;border:1px solid #ccdfec;
border-radius:26px;padding:24px;margin:0;font-size:14.5px}
.fkbw-quote span{display:block;margin-top:10px;font-size:12.5px;color:#156ca2}
.fkbw-flinks{background:#d0e2ed;padding:34px 0;text-align:center}
.fkbw-flinks h2{font-size:15px;color:#156ca2;margin-bottom:14px;font-weight:600}
.fkbw-flinks-list{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 22px}
.fkbw-flinks-list a{color:#166fa7;font-size:14px}
.fkbw-flinks-list a:hover{text-decoration:underline}
.fkbw-ft{background:#082b40;color:rgba(255,255,255,.75);padding:32px 0;
text-align:center}
.fkbw-ft-brand{display:flex;align-items:center;justify-content:center;gap:8px;
font-weight:800;color:#fff;margin-bottom:8px}
.fkbw-ft a{color:#fff;opacity:.8;margin:0 9px;font-size:13.5px}
.fkbw-ft-copy{font-size:13px;opacity:.8;margin-top:8px}
.fkbw-doc{padding:76px 0;max-width:70ch}
.fkbw-doc h1{font-size:32px;font-weight:900;margin-bottom:18px}
.fkbw-doc h2{font-size:18px;font-weight:800;margin:24px 0 6px}
.fkbw-doc p{color:#156ca2;margin-bottom:12px}
@media(max-width:860px){
.fkbw-cards,.fkbw-steps,.fkbw-dl,.fkbw-quotes{grid-template-columns:1fr 1fr}
.fkbw-hero-in{grid-template-columns:1fr}
.fkbw-hero-card{display:none}
.fkbw-navlinks{display:none}
}
@media(max-width:520px){
.fkbw-cards,.fkbw-steps,.fkbw-dl,.fkbw-quotes{grid-template-columns:1fr}
}