.form-switch .form-check-input {
  background-color: #eee;
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='-4 -4 8 8'%3e%3ccircle r='3' fill='%23071f3c'/%3e%3c/svg%3e");
}

.form-switch .form-check-input:checked {
  background-color: #071f3c;
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='-4 -4 8 8'%3e%3ccircle r='3' fill='%23fff'/%3e%3c/svg%3e");
}

.form-switch .form-check-input:focus {

} 

    /* ── HERO INTRO ───────────────────────────── */
    .ffm-pricing-hero {
      background: linear-gradient(135deg, #071f3c 0%, #0368b6 100%);
      padding: 64px 24px 48px;
      text-align: center;
      position: relative;
      overflow: hidden;
    }
    .ffm-pricing-hero::after {
      content: '';
      display: block;
      height: 4px;
      background: linear-gradient(90deg, #e8582c, #f07a50, #e8582c);
      position: absolute;
      bottom: 0; left: 0; right: 0;
    }
    .ffm-pricing-hero .eyebrow {
      text-transform: uppercase;
      letter-spacing: 0.18em;
      font-size: 16px;
      font-weight: 700;
      color: #e8582c;
      margin-bottom: 14px;
    }
    .ffm-pricing-hero h1 {
      font-size: clamp(28px, 5vw, 46px);
      font-weight: 800;
      color: #ffffff;
      line-height: 1.15;
      margin-bottom: 16px;
    }
    .ffm-pricing-hero h1 span { color: #e8582c; }
    .ffm-pricing-hero p {
      font-size: 17px;
      color: #f0f0f0;
      max-width: 620px;
      margin: 0 auto 10px;
      line-height: 1.6;
    }

    /* ── SECTION WRAPPER ──────────────────────── */
    .ffm-section {
      max-width: 1200px;
      margin: 0 auto;
      padding: 56px 20px;
    }
    .ffm-section-label {
      text-align: center;
      margin-bottom: 40px;
    }
    .ffm-section-label .tag {
      display: inline-block;
      background: #e8582c;
      color: #fff;
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      padding: 4px 14px;
      border-radius: 20px;
      margin-bottom: 14px;
    }
    .ffm-section-label h2 {
      font-size: clamp(22px, 3.5vw, 34px);
      font-weight: 800;
      color: #0368b6;
      margin-bottom: 10px;
    }
    .ffm-section-label p {
      font-size: 16px;
      color: #5a6a82;
      max-width: 560px;
      margin: 0 auto;
      line-height: 1.6;
    }

    /* ── PLAN CARDS GRID ──────────────────────── */
    .ffm-plans-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
      gap: 24px;
      align-items: stretch;
    }
    @media (max-width: 900px) {
      .ffm-plans-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
    }

    .ffm-card {
      background: #ffffff;
      border-radius: 16px;
      border: 1.5px solid #dde3ef;
      overflow: hidden;
      display: flex;
      flex-direction: column;
      transition: transform 0.2s, box-shadow 0.2s;
      position: relative;
    }
    .ffm-card:hover {
      transform: translateY(-4px);
      box-shadow: 0 16px 40px rgba(26,39,68,0.13);
    }
    .ffm-card.featured {
      border-color: #e8582c;
      box-shadow: 0 8px 32px rgba(232, 88, 44, 0.18);
    }
    .ffm-card.featured .ffm-badge {
      display: block;
    }

    .ffm-badge {
      display: none;
      position: absolute;
      top: 16px; right: 16px;
      background: #e8582c;
      color: #fff;
      font-size: 10px;
      font-weight: 800;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      padding: 4px 12px;
      border-radius: 20px;
    }

    .ffm-card-head {
      background: #0368b6;
      padding: 28px 28px 24px;
      color: #fff;
    }
    .ffm-card.featured .ffm-card-head {
      background: linear-gradient(135deg, #e8582c, #c93f14);
    }
    .ffm-card-head .plan-name {
      font-size: 13px;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      opacity: 0.75;
      margin-bottom: 6px;
    }
    .ffm-card-head .plan-title {
      font-size: 26px;
      font-weight: 800;
      color: #fff;
      margin-bottom: 4px;
    }
    .ffm-card-head .plan-tagline {
      font-size: 13px;
      opacity: 0.8;
      line-height: 1.4;
    }
    .ffm-price-row {
      display: flex;
      align-items: flex-end;
      gap: 4px;
      margin: 16px 0 0;
    }
    .ffm-price-row .dollar {
      font-size: 20px;
      font-weight: 700;
      opacity: 0.85;
      line-height: 1.6;
    }
    .ffm-price-row .amount {
      font-size: 42px;
      font-weight: 900;
      line-height: 1;
    }
    .ffm-price-row .per {
      font-size: 13px;
      opacity: 0.7;
      margin-bottom: 4px;
    }

    .ffm-card-body {
      padding: 26px 28px;
      flex: 1;
      display: flex;
      flex-direction: column;
    }
    .ffm-includes-label {
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: #8a98b4;
      margin-bottom: 14px;
    }
    .ffm-feature-list {
      list-style: none;
      flex: 1;
    }
    .ffm-feature-list li {
      display: flex;
      align-items: flex-start;
      gap: 10px;
      font-size: 14px;
      color: #2d3a52;
      line-height: 1.5;
      padding: 7px 0;
      border-bottom: 1px solid #f0f2f6;
    }
    .ffm-feature-list li:last-child { border-bottom: none; }
    .ffm-feature-list li .chk {
      flex-shrink: 0;
      width: 18px;
      height: 18px;
      border-radius: 50%;
      background: #eaf6f0;
      display: flex;
      align-items: center;
      justify-content: center;
      margin-top: 1px;
    }
    .ffm-feature-list li .chk svg { width: 10px; height: 10px; }
    .ffm-card.featured .ffm-feature-list li .chk { background: #fdeee9; }
    .ffm-feature-list li .chk path { fill: #18a060; }
    .ffm-card.featured .ffm-feature-list li .chk path { fill: #e8582c; }

    .ffm-feature-list li .feat-highlight {
      font-weight: 600;
      color: #0368b6;
    }

    .ffm-cta-wrap {
      padding: 0 28px 26px;
    }
    .ffm-btn {
      display: block;
      width: 100%;
      text-align: center;
      padding: 14px 20px;
      border-radius: 10px;
      font-size: 15px;
      font-weight: 700;
      text-decoration: none;
      cursor: pointer;
      border: none;
      transition: background 0.18s, transform 0.1s;
    }
    .ffm-btn:hover { transform: translateY(-1px); }
    .ffm-btn-primary {
      background: #e8582c;
      color: #fff;
    }
    .ffm-btn-primary:hover { background: #c93f14; }
    .ffm-btn-outline {
      background: transparent;
      color: #0368b6;
      border: 2px solid #dde3ef;
    }
    .ffm-btn-outline:hover { border-color: #0368b6; background: #f7f9fc; }

    /* ── DIVIDER ──────────────────────────────── */
    .ffm-divider {
      border: none;
      border-top: 2px dashed #dde3ef;
      margin: 0 20px;
    }

    /* ── ADD-ON CARD ──────────────────────────── */
    .ffm-addon-wrap {
      background: linear-gradient(135deg, #071f3c 0%, #0368b6 100%);
      border-radius: 20px;
      overflow: hidden;
      position: relative;
    }
    .ffm-addon-wrap::before {
      content: '';
      position: absolute;
      top: 0; left: 0; right: 0;
      height: 4px;
      background: linear-gradient(90deg, #e8582c, #f07a50, #e8582c);
    }
    .ffm-addon-inner {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 0;
    }
    @media (max-width: 720px) {
      .ffm-addon-inner { grid-template-columns: 1fr; }
    }
    .ffm-addon-left {
      padding: 40px 36px;
      border-right: 1px solid rgba(255,255,255,0.1);
    }
    @media (max-width: 720px) {
      .ffm-addon-left { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); }
    }
    .ffm-addon-tag {
      display: inline-block;
      background: rgba(232,88,44,0.2);
      color: #f07a50;
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      padding: 4px 14px;
      border-radius: 20px;
      margin-bottom: 16px;
    }
    .ffm-addon-left h3 {
      font-size: 28px;
      font-weight: 800;
      color: #fff;
      line-height: 1.2;
      margin-bottom: 10px;
    }
    .ffm-addon-left h3 span { color: #e8582c; }
    .ffm-addon-left .addon-desc {
      font-size: 15px;
      color: #f0f0f0;
      line-height: 1.6;
      margin-bottom: 24px;
    }
    .ffm-addon-price {
      display: flex;
      align-items: flex-end;
      gap: 4px;
      margin-bottom: 24px;
    }
    .ffm-addon-price .dollar { font-size: 18px; font-weight: 700; color: #fff; opacity: 0.7; line-height: 1.7; }
    .ffm-addon-price .amount { font-size: 46px; font-weight: 900; color: #fff; line-height: 1; }
    .ffm-addon-price .per { font-size: 13px; color: #8a98b4; margin-bottom: 5px; }
    .ffm-addon-price .add-label {
      font-size: 13px;
      color: #e8582c;
      font-weight: 600;
      margin-left: 8px;
      margin-bottom: 5px;
    }
    .ffm-btn-light {
      background: #ffffff;
      color: #0368b6;
    }
    .ffm-btn-light:hover { background: #f0f4ff; }

    .ffm-addon-right {
      padding: 40px 36px;
    }
    .ffm-addon-right h4 {
      font-size: 13px;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      color: #fff;
      margin-bottom: 20px;
    }
    .ffm-region-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 14px;
      margin-bottom: 24px;
    }
    .ffm-region {
      background: rgba(255,255,255,0.06);
      border: 1px solid rgba(255,255,255,0.1);
      border-radius: 10px;
      padding: 14px 16px;
    }
    .ffm-region .region-name {
      font-size: 13px;
      font-weight: 700;
      color: #fff;
      margin-bottom: 4px;
    }
    .ffm-region .region-states {
      font-size: 11px;
      color: #f0f0f0;
      line-height: 1.4;
    }
    .ffm-report-features {
      list-style: none;
    }
    .ffm-report-features li {
      display: flex;
      align-items: center;
      gap: 10px;
      font-size: 14px;
      color: #f0f0f0;
      padding: 6px 0;
      border-bottom: 1px solid rgba(255,255,255,0.06);
    }
    .ffm-report-features li:last-child { border-bottom: none; }
    .ffm-report-features li .dot {
      width: 6px;
      height: 6px;
      border-radius: 50%;
      background: #e8582c;
      flex-shrink: 0;
    }

    /* ── FAQ / NOTE STRIP ─────────────────────── */
    .ffm-note-strip {
      background: #fff;
      border-top: 3px solid #e8582c;
      padding: 28px 24px;
      text-align: center;
      font-size: 14px;
      color: #5a6a82;
      line-height: 1.7;
    }
    .ffm-note-strip strong { color: #0368b6; }
    .ffm-note-strip a { color: #e8582c; text-decoration: none; font-weight: 600; }
    .ffm-note-strip a:hover { text-decoration: underline; }

    /* ── CATEGORY NOTE BADGES ─────────────────── */
    .ffm-cat-badges {
      display: flex;
      flex-wrap: wrap;
      justify-content: center;
      gap: 10px;
      margin-top: 20px;
    }
    .ffm-cat-badge {
      display: inline-flex;
      align-items: center;
      gap: 6px;
      background: #f0f3f9;
      border: 1px solid #dde3ef;
      border-radius: 20px;
      padding: 6px 14px;
      font-size: 13px;
      font-weight: 600;
      color: #2d3a52;
    }
    .ffm-cat-badge .dot {
      width: 7px; height: 7px;
      border-radius: 50%;
      background: #e8582c;
    }

    /* ── COMPARISON NOTE ──────────────────────── */
    .ffm-compare-strip {
      background: #f0f3f9;
      border-radius: 12px;
      padding: 20px 28px;
      display: flex;
      align-items: center;
      justify-content: center;
      gap: 16px;
      margin-top: 36px;
      flex-wrap: wrap;
      text-align: center;
    }
    .ffm-compare-strip .icon { font-size: 22px; }
    .ffm-compare-strip p { font-size: 14px; color: #5a6a82; line-height: 1.5; }
    .ffm-compare-strip strong { color: #0368b6; }

    :root {
      --ffm-navy:   #071f3c;
      --ffm-navy2:  #0368b6;
      --ffm-orange: #e8582c;
      --ffm-orange2:#c93f14;
      --ffm-gold:   #c8a96e;
      --ffm-muted:  #999;
      --ffm-muted1: #ccc;
      --ffm-light:  #f4f6f9;
      --ffm-border: #dde3ef;
    }

    .ffm-form-container {
      background: var(--ffm-light);
      color: var(--ffm-navy);
    }

    /* ── HEADER ──────────────────────────────── */
    .ffm-header {
      background: linear-gradient(135deg, var(--ffm-navy) 0%, var(--ffm-navy2) 100%);
      padding: 52px 20px 44px;
      text-align: center;
      position: relative;
    }
    .ffm-header::after {
      content: '';
      display: block;
      position: absolute;
      bottom: 0; left: 0; right: 0;
      height: 4px;
      background: linear-gradient(90deg, var(--ffm-orange), #f07a50, var(--ffm-orange));
    }
    .ffm-header .eyebrow {
      font-size: 16px;
      font-weight: 700;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--ffm-orange);
      margin-bottom: 12px;
    }
    .ffm-header h1 {
      font-size: clamp(24px, 4vw, 38px);
      font-weight: 800;
      color: #fff;
      margin-bottom: 10px;
    }
    .ffm-header h1 span { color: var(--ffm-orange); }
    .ffm-header p {
      font-size: 16px;
      color: #f0f0f0;
      max-width: 560px;
      margin: 0 auto;
      line-height: 1.6;
    }

    /* ── FORM CARD ───────────────────────────── */
    .ffm-card-form {
      background: #fff;
      border-radius: 16px;
      border: 1.5px solid var(--ffm-border);
      box-shadow: 0 4px 24px rgba(26,39,68,0.07);
      overflow: hidden;
    }

    /* ── SECTION HEADINGS ────────────────────── */
    .ffm-section-head {
      display: flex;
      align-items: center;
      gap: 10px;
      padding: 20px 28px 16px;
      background: var(--ffm-light);
      border-bottom: 1.5px solid var(--ffm-border);
      border-top: 1.5px solid var(--ffm-border);
      margin-top: 8px;
    }
    .ffm-section-head:first-of-type { border-top: none; margin-top: 0; }
    .ffm-section-icon {
      width: 34px; height: 34px;
      border-radius: 8px;
      background: var(--ffm-navy);
      color: #fff;
      display: flex;
      align-items: center;
      justify-content: center;
      font-size: 16px;
      flex-shrink: 0;
    }
    .ffm-section-head h2 {
      font-size: 15px;
      font-weight: 700;
      color: var(--ffm-navy);
      margin: 0;
    }
    .ffm-section-head p {
      font-size: 12px;
      color: var(--ffm-muted);
      margin: 0;
    }

    /* ── FORM BODY ───────────────────────────── */
    .ffm-body { padding: 24px 28px; }

    /* ── LABELS ──────────────────────────────── */
    .form-label {
      font-size: 13px;
      font-weight: 600;
      color: var(--ffm-navy);
      margin-bottom: 5px;
    }
    .form-label .req { color: var(--ffm-orange); margin-left: 2px; }

    /* ── INPUTS ──────────────────────────────── */
    .form-control, .form-select {
      border: 1.5px solid var(--ffm-border);
      border-radius: 8px;
      font-size: 14px;
      color: var(--ffm-navy);
      padding: 10px 14px;
      transition: border-color 0.15s, box-shadow 0.15s;
    }
    .form-control:focus, .form-select:focus {
      border-color: var(--ffm-orange);
      box-shadow: 0 0 0 3px rgba(232,88,44,0.12);
      outline: none;
    }
    .form-control::placeholder { color: #b0bac8; }
    .input-group-text {
      background: var(--ffm-light);
      border: 1.5px solid var(--ffm-border);
      border-right: none;
      border-radius: 8px 0 0 8px;
      color: var(--ffm-muted);
      font-size: 15px;
      padding: 10px 12px;
    }
    .input-group .form-control { border-left: none; border-radius: 0 8px 8px 0; }
    .input-group .form-control:focus { border-color: var(--ffm-orange); }
    .input-group:focus-within .input-group-text {
      border-color: var(--ffm-orange);
      background: #fff5f2;
    }

    /* ── CHECKBOX / RADIO GRID ───────────────── */
    .ffm-check-grid {
      display: grid;
      grid-template-columns: repeat(auto-fill, minmax(220px, 1fr));
      gap: 10px;
    }
    .ffm-check-item {
      display: flex;
      align-items: flex-start;
      gap: 10px;
      background: var(--ffm-light);
      border: 1.5px solid var(--ffm-border);
      border-radius: 10px;
      padding: 12px 14px;
      cursor: pointer;
      transition: border-color 0.15s, background 0.15s;
    }
    .ffm-check-item:hover { border-color: var(--ffm-orange); background: #fff5f2; }
    .ffm-check-item input[type=checkbox], .ffm-check-item input[type=radio] { margin-top: 2px; accent-color: var(--ffm-orange); width: 16px; height: 16px; flex-shrink: 0; }
    .ffm-check-item .chk-label { font-size: 13px; font-weight: 600; color: var(--ffm-navy); line-height: 1.3; }
    .ffm-check-item .chk-sub { font-size: 11px; color: var(--ffm-muted); margin-top: 2px; }
    .ffm-check-item input:checked ~ .chk-wrap .chk-label { color: var(--ffm-orange); }

    /* ── PLAN SELECTOR ───────────────────────── */
    .ffm-plan-grid {
      display: grid;
      grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
      gap: 12px;
    }
    .ffm-plan-option {
      border: 2px solid var(--ffm-border);
      border-radius: 12px;
      padding: 16px;
      cursor: pointer;
      transition: border-color 0.15s, background 0.15s, transform 0.1s;
      position: relative;
    }
    .ffm-plan-option:hover { border-color: var(--ffm-orange); transform: translateY(-2px); }
    .ffm-plan-option input[type=radio] {
      position: absolute;
      top: 12px; right: 12px;
      accent-color: var(--ffm-orange);
      width: 16px; height: 16px;
    }
    .ffm-plan-option input[type=checkbox] {
      position: absolute;
      top: 12px; right: 12px;
      accent-color: var(--ffm-orange);
      width: 16px; height: 16px;
    }
    .ffm-plan-option .plan-tier { font-size: 10px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ffm-muted); }
    .ffm-plan-option .plan-name { font-size: 18px; font-weight: 800; color: var(--ffm-navy); margin: 2px 0 4px; }
    .ffm-plan-option .plan-price { font-size: 13px; font-weight: 700; color: var(--ffm-orange); }
    .ffm-plan-option .plan-desc { font-size: 11px; color: var(--ffm-muted); line-height: 1.4; margin-top: 4px; }
    .ffm-plan-option.addon { border-style: dashed; }
    .ffm-plan-option.addon .plan-name { color: var(--ffm-navy2); }

    /* Active plan state via JS */
    .ffm-plan-option.selected {
      border-color: var(--ffm-orange);
      background: #fff5f2;
    }
    .ffm-plan-option.selected .plan-name { color: var(--ffm-orange); }

    /* ── SUBMIT BUTTON ───────────────────────── */
    .ffm-btn-submit {
      background: linear-gradient(135deg, var(--ffm-orange), var(--ffm-orange2));
      color: #fff;
      border: none;
      border-radius: 10px;
      padding: 15px 36px;
      font-size: 16px;
      font-weight: 700;
      cursor: pointer;
      transition: opacity 0.15s, transform 0.1s;
      width: 100%;
    }
    .ffm-btn-submit:hover { opacity: 0.92; transform: translateY(-1px); }
    .ffm-btn-submit i { margin-right: 6px; }

    /* ── FOOTER NOTE ─────────────────────────── */
    .ffm-form-footer {
      text-align: center;
      padding: 16px 28px 28px;
      font-size: 12px;
      color: var(--ffm-muted);
      line-height: 1.7;
      border-top: 1.5px solid var(--ffm-border);
    }
    .ffm-form-footer a { color: var(--ffm-orange); text-decoration: none; font-weight: 600; }
    .ffm-form-footer a:hover { text-decoration: underline; }

    /* ── TRUST BADGES ────────────────────────── */
    .ffm-trust-bar {
      display: flex;
      flex-wrap: wrap;
      gap: 20px;
      justify-content: center;
      padding: 20px 0 8px;
    }
    .ffm-trust-item {
      display: flex;
      align-items: center;
      gap: 7px;
      font-size: 13px;
      font-weight: 600;
      color: var(--ffm-muted1);
    }
    .ffm-trust-item i { color: var(--ffm-orange); font-size: 16px; }

    /* ── HELPER TEXT ─────────────────────────── */
    .form-text { font-size: 11px; color: var(--ffm-muted); margin-top: 4px; }

    /* ── DIVIDER ─────────────────────────────── */
    .ffm-or {
      display: flex;
      align-items: center;
      gap: 10px;
      color: var(--ffm-muted);
      font-size: 12px;
      font-weight: 600;
    }
    .ffm-or::before, .ffm-or::after {
      content: '';
      flex: 1;
      height: 1px;
      background: var(--ffm-border);
    }

	.ffm-addon-left {
	  /*display: flex;
	  flex-direction: column;*/
	}
	.ffm-report-preview {
	  margin-top: auto;
	  padding-top: 28px;
	}
	.ffm-report-preview .preview-label {
	  font-size: 10px;
	  font-weight: 700;
	  letter-spacing: 0.14em;
	  text-transform: uppercase;
	  color: rgba(255,255,255,0.35);
	  margin-bottom: 10px;
	}
	.ffm-report-preview-img {
	  position: relative;
	  border-radius: 12px;
	  overflow: hidden;
	  border: 1px solid rgba(255,255,255,0.12);
	  box-shadow: 0 8px 32px rgba(0,0,0,0.35);
	}
	.ffm-report-preview-img img {
	  display: block;
	  width: 100%;
	  height: auto;
	  border-radius: 12px;
	}
	.ffm-report-preview-img .preview-overlay {
	  position: absolute;
	  bottom: 0; left: 0; right: 0;
	  background: linear-gradient(to top, rgba(26,39,68,0.9) 0%, transparent 100%);
	  padding: 7px 14px 6px;
	  display: flex;
	  align-items: center;
	  justify-content: space-between;
	}
	.preview-overlay .po-label {
	  font-size: 11px;
	  font-weight: 700;
	  color: #fff;
	}
	.preview-overlay .po-badge {
	  font-size: 10px;
	  font-weight: 700;
	  background: #e8582c;
	  color: #fff;
	  padding: 3px 9px;
	  border-radius: 20px;
	}