/* =========================================================
   FMB START HERE
   Page-specific modules only. The Start Here page reuses
   homepage.css for [fmb_home_topics], [fmb_home_newsletter],
   and [fmb_home_sources].

   1. Shared editorial foundation
   2. Focus selector
   3. First 15 minutes roadmap
   4. Money myth browser
   5. FMB Essentials
   6. Starter tools
   7. Decision framework
   8. Financial Checkup CTA
   9. Trust strip
   10. Responsive rules
========================================================= */

:root {
  --fmb-start-border: var(--fmb-editorial-border);
  --fmb-start-border-strong: var(--fmb-editorial-border-strong);
  --fmb-start-soft-gold: #fbf3e2;
  --fmb-start-soft-green: #e7f4ec;
  --fmb-start-green: #24683f;
  --fmb-start-soft-red: #fbe9e7;
  --fmb-start-red: #9a3432;
  --fmb-start-soft-gray: #eef1f4;
}

/* =========================================================
   1. SHARED EDITORIAL FOUNDATION
   Full-bleed layout, shell width, Elementor normalization, headings,
   eyebrow labels, and inline action links come from editorial.css.
========================================================= */

.fmb-start-section[hidden],
.fmb-start-section [hidden] {
  display: none !important;
}

.fmb-start-focus,
.fmb-start-myths,
.fmb-start-essentials,
.fmb-start-tools,
.fmb-start-framework,
.fmb-start-checkup,
.fmb-start-trust {
  padding: var(--fmb-editorial-section-space) 0;
}

.fmb-start-heading--center {
  margin-inline: auto;
  text-align: center;
}

.fmb-start-heading--center > p:not(.fmb-start-eyebrow) {
  margin-inline: auto;
}

.fmb-start-heading--center .fmb-start-eyebrow {
  justify-content: center;
}

.fmb-start-section-link {
  margin-top: 24px;
  text-align: center;
}

.fmb-start-status {
  display: inline-flex;
  align-items: center;
  min-height: 25px;
  padding: 4px 10px;
  border-radius: 10px;
  background: var(--fmb-start-soft-gold);
  color: var(--fmb-gold-dark);
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.045em;
  line-height: 1.2;
  text-transform: uppercase;
}

/* =========================================================
   3. FOCUS SELECTOR
========================================================= */

.fmb-start-focus {
  overflow: hidden;
  background: var(--fmb-off-white);
}

.fmb-start-focus::before {
  position: absolute;
  top: -150px;
  right: -120px;
  width: 430px;
  height: 430px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212, 182, 120, 0.13), transparent 67%);
  content: "";
  pointer-events: none;
}

.fmb-start-focus__heading {
  max-width: 730px;
  margin-bottom: 30px;
}

.fmb-start-focus__tabs {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 10px;
  max-width: none;
  margin: 0 0 18px;
}

.fmb-start-focus__tab {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  min-height: 46px;
  padding: 9px 14px;
  border: 1px solid rgba(7, 24, 47, 0.16);
  border-radius: var(--fmb-radius-pill);
  background: rgba(255, 255, 255, 0.9);
  box-shadow: none;
  color: var(--fmb-body);
  cursor: pointer;
  font: inherit;
  font-size: 0.84rem;
  font-weight: 650;
  line-height: 1.25;
  text-align: center;
  transition: border-color var(--fmb-transition), background var(--fmb-transition), color var(--fmb-transition), transform var(--fmb-transition), box-shadow var(--fmb-transition);
}

.fmb-start-focus__tab:hover {
  border-color: rgba(168, 130, 58, 0.48);
  color: var(--fmb-navy);
  transform: translateY(-1px);
}

.fmb-start-focus__tab.is-active {
  border-color: var(--fmb-gold-dark);
  background: linear-gradient(135deg, #d9bd80, var(--fmb-gold));
  box-shadow: 0 10px 24px rgba(168, 130, 58, 0.13);
  color: var(--fmb-navy-dark);
}

.fmb-start-focus__tab-icon {
  display: grid;
  width: 20px;
  height: 20px;
  place-items: center;
  color: currentColor;
}

.fmb-start-focus__tab-icon svg {
  width: 18px;
  height: 18px;
}

.fmb-start-focus__panels {
  position: relative;
}

.fmb-start-focus__panel {
  overflow: hidden;
  border: 1px solid var(--fmb-start-border);
  border-radius: 12px;
  background: var(--fmb-white);
  box-shadow: var(--fmb-shadow-sm);
  animation: fmbStartReveal 220ms ease;
}

@keyframes fmbStartReveal {
  from { opacity: 0; transform: translateY(5px); }
  to { opacity: 1; transform: translateY(0); }
}

.fmb-start-focus__panel.is-active {
  display: block;
}

.fmb-start-focus__panel-grid {
  display: grid;
  grid-template-columns: minmax(235px, 0.8fr) minmax(0, 3fr);
  min-height: 250px;
}

.fmb-start-focus__intro {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  min-width: 0;
  padding: 26px 28px;
  background:
    radial-gradient(circle at 18% 10%, rgba(212, 182, 120, 0.12), transparent 34%),
    var(--fmb-navy);
  color: var(--fmb-white);
}

.fmb-start-focus__intro-icon {
  display: grid;
  width: 36px;
  height: 36px;
  margin-bottom: 10px;
  border: 1px solid rgba(212, 182, 120, 0.52);
  border-radius: 50%;
  background: rgba(212, 182, 120, 0.1);
  color: var(--fmb-gold);
  place-items: center;
}

.fmb-start-focus__intro-icon svg {
  width: 21px;
  height: 21px;
}

.fmb-start-focus__kicker {
  margin: 0 0 5px;
  color: var(--fmb-gold) !important;
  font-size: 0.62rem !important;
  font-weight: 700;
  letter-spacing: 0.1em;
  line-height: 1.3 !important;
  text-transform: uppercase;
}

.fmb-start-focus__intro h3 {
  margin: 0;
  color: var(--fmb-white);
  font-family: var(--fmb-font-display);
  font-size: clamp(1.45rem, 1.9vw, 1.85rem);
  line-height: 1.08;
}

.fmb-start-focus__intro > p:last-of-type {
  margin: 9px 0 16px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.88rem;
  line-height: 1.58;
}

.fmb-start-focus__explore {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: auto;
  color: var(--fmb-gold);
  font-size: 0.75rem;
  font-weight: 700;
  text-decoration: none;
}

.fmb-start-focus__explore:hover {
  color: var(--fmb-gold-hover);
}

.fmb-start-focus__recommendations {
  display: grid;
  grid-template-columns: 1.35fr 1fr 1fr;
}

.fmb-start-focus__column {
  min-width: 0;
  padding: 22px 24px;
}

.fmb-start-focus__column + .fmb-start-focus__column {
  border-left: 1px solid var(--fmb-start-border);
}

.fmb-start-focus__column-label {
  margin: 0 0 12px;
  color: var(--fmb-muted) !important;
  font-family: "Montserrat", sans-serif;
  font-size: 0.64rem !important;
  font-weight: 700;
  letter-spacing: 0.085em;
  line-height: 1.35 !important;
  text-transform: uppercase;
}

.fmb-start-focus__articles ul {
  display: grid;
  gap: 0;
  margin: 0 0 15px;
  padding: 0;
  list-style: none;
}

.fmb-start-focus__articles li {
  margin: 0;
  padding: 9px 0;
  border-bottom: 1px solid rgba(7, 24, 47, 0.085);
}

.fmb-start-focus__articles li:first-child {
  padding-top: 0;
}

.fmb-start-focus__articles a {
  color: var(--fmb-navy);
  font-size: 0.91rem;
  font-weight: 650;
  line-height: 1.45;
  text-decoration: none;
}

.fmb-start-focus__articles a:hover {
  color: var(--fmb-gold-dark);
}

.fmb-start-focus__mini-icon {
  display: grid;
  width: 42px;
  height: 42px;
  margin-bottom: 14px;
  border-radius: 10px;
  background: var(--fmb-cream-dark);
  color: var(--fmb-navy);
  place-items: center;
}

.fmb-start-focus__mini-icon svg {
  width: 19px;
  height: 19px;
}

.fmb-start-focus__column h4 {
  margin: 0 0 8px;
  color: var(--fmb-navy);
  font-size: 0.96rem;
  font-weight: 700;
  line-height: 1.35;
}

.fmb-start-focus__column > p:not(.fmb-start-focus__column-label):not(.fmb-start-focus__empty) {
  margin: 0 0 16px;
  color: var(--fmb-body);
  font-size: 0.84rem;
  line-height: 1.6;
}

.fmb-start-focus__empty {
  margin: 0 0 14px;
  color: var(--fmb-body) !important;
  font-size: 0.85rem !important;
  line-height: 1.6 !important;
}

/* =========================================================
   4. FIRST 15 MINUTES ROADMAP
========================================================= */

.fmb-start-roadmap {
  padding: 0;
  background: var(--fmb-white);
}

.fmb-start-roadmap__inner {
  display: grid;
  grid-template-columns: 190px repeat(3, minmax(0, 1fr));
  overflow: hidden;
  border: 1px solid var(--fmb-start-border);
  border-radius: 12px;
  background: var(--fmb-white);
  box-shadow: 0 8px 22px rgba(7, 24, 47, 0.045);
}

.fmb-start-roadmap__label {
  display: flex;
  flex-direction: column;
  justify-content: center;
  min-height: 126px;
  padding: 24px 28px;
  background: var(--fmb-navy);
  color: var(--fmb-white);
  font-family: "Montserrat", sans-serif;
  font-size: 0.68rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  line-height: 1.5;
  text-transform: uppercase;
}

.fmb-start-roadmap__label strong {
  color: var(--fmb-gold);
  font-family: var(--fmb-font-display);
  font-size: 1.58rem;
  letter-spacing: -0.02em;
  line-height: 1.1;
  text-transform: none;
}

.fmb-start-roadmap__step {
  position: relative;
  display: grid;
  grid-template-columns: 46px 1fr 18px;
  gap: 13px;
  align-items: center;
  min-width: 0;
  min-height: 126px;
  padding: 22px 24px;
  border-left: 1px solid var(--fmb-start-border);
  color: var(--fmb-navy);
  text-decoration: none;
  transition: background var(--fmb-transition);
}

.fmb-start-roadmap__step:hover {
  background: var(--fmb-off-white);
}

.fmb-start-roadmap__number {
  display: grid;
  width: 42px;
  height: 42px;
  border: 1px solid rgba(168, 130, 58, 0.34);
  border-radius: 50%;
  color: var(--fmb-gold-dark);
  font-family: var(--fmb-font-display);
  font-size: 1.2rem;
  place-items: center;
}

.fmb-start-roadmap__copy {
  display: block;
  min-width: 0;
}

.fmb-start-roadmap__copy strong {
  display: block;
  margin-bottom: 4px;
  color: var(--fmb-navy);
  font-size: 0.79rem;
  line-height: 1.35;
}

.fmb-start-roadmap__copy small {
  display: block;
  color: var(--fmb-body);
  font-size: 0.77rem;
  line-height: 1.5;
}

.fmb-start-roadmap__arrow {
  color: var(--fmb-gold-dark);
  transition: transform var(--fmb-transition);
}

.fmb-start-roadmap__step:hover .fmb-start-roadmap__arrow {
  transform: translateX(3px);
}

/* =========================================================
   5. MONEY MYTH BROWSER
========================================================= */

.fmb-start-myths {
  background: var(--fmb-cream);
}

.fmb-start-myths__layout {
  display: grid;
  grid-template-columns: minmax(250px, 0.72fr) minmax(0, 1.75fr);
  gap: clamp(44px, 5vw, 82px);
  align-items: start;
}

.fmb-start-myths__intro {
  position: sticky;
  top: 110px;
  margin-bottom: 0;
}

.fmb-start-myths__browser {
  min-width: 0;
}

.fmb-start-myths__filters {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 18px;
}

.fmb-start-myths__filter {
  min-height: 34px;
  padding: 7px 14px;
  border: 1px solid var(--fmb-start-border);
  border-radius: var(--fmb-radius-pill);
  background: rgba(255, 255, 255, 0.72);
  color: var(--fmb-body);
  cursor: pointer;
  font: inherit;
  font-size: 0.73rem;
  font-weight: 650;
  line-height: 1.2;
  transition: background var(--fmb-transition), color var(--fmb-transition), border-color var(--fmb-transition);
}

.fmb-start-myths__filter:hover,
.fmb-start-myths__filter.is-active {
  border-color: var(--fmb-navy);
  background: var(--fmb-navy);
  color: var(--fmb-white);
}

.fmb-start-myths__list {
  overflow: hidden;
  border: 1px solid var(--fmb-start-border);
  border-radius: 12px;
  background: var(--fmb-white);
}

.fmb-start-myth-row {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto 18px;
  gap: 18px;
  align-items: center;
  min-height: 70px;
  padding: 15px 20px;
  color: var(--fmb-navy);
  text-decoration: none;
  transition: background var(--fmb-transition);
}

.fmb-start-myth-row + .fmb-start-myth-row:not([hidden]) {
  border-top: 1px solid var(--fmb-start-border);
}

.fmb-start-myth-row:hover {
  background: var(--fmb-off-white);
}

.fmb-start-myth-row__claim {
  min-width: 0;
  font-size: clamp(0.87rem, 1.05vw, 0.96rem);
  font-weight: 600;
  line-height: 1.45;
}

.fmb-start-myth-row__claim strong {
  color: var(--fmb-gold-dark);
}

.fmb-start-verdict {
  display: inline-flex;
  justify-content: center;
  min-width: 100px;
  padding: 6px 10px;
  border-radius: var(--fmb-radius-pill);
  font-size: 0.65rem;
  font-weight: 750;
  letter-spacing: 0.045em;
  line-height: 1.2;
  text-align: center;
}

.fmb-start-verdict--yes {
  background: var(--fmb-start-soft-green);
  color: var(--fmb-start-green);
}

.fmb-start-verdict--no {
  background: var(--fmb-start-soft-red);
  color: var(--fmb-start-red);
}

.fmb-start-verdict--depends {
  background: var(--fmb-start-soft-gold);
  color: #8a641d;
}

.fmb-start-verdict--outdated {
  background: var(--fmb-start-soft-gray);
  color: #5d6875;
}

.fmb-start-myth-row__arrow {
  color: var(--fmb-gold-dark);
  font-size: 1rem;
  transition: transform var(--fmb-transition);
}

.fmb-start-myth-row:hover .fmb-start-myth-row__arrow {
  transform: translateX(3px);
}

.fmb-start-myths__empty {
  margin: 18px 0 0;
  padding: 18px;
  border: 1px dashed var(--fmb-start-border-strong);
  border-radius: 8px;
  color: var(--fmb-body);
  font-size: 0.88rem;
}

.fmb-start-myths__all {
  margin-top: 18px;
}

/* =========================================================
   6. FMB ESSENTIALS
========================================================= */

.fmb-start-essentials {
  background: var(--fmb-white);
}

.fmb-start-essentials__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(340px, 0.88fr);
  gap: 18px;
  align-items: stretch;
}


.fmb-start-essentials__grid--single {
  grid-template-columns: minmax(0, 920px);
}

.fmb-start-essentials__grid--single .fmb-start-essential-feature {
  min-height: 260px;
}
.fmb-start-essential-feature {
  display: grid;
  grid-template-columns: minmax(280px, 0.95fr) minmax(0, 1.05fr);
  overflow: hidden;
  min-height: 285px;
  border: 1px solid var(--fmb-start-border);
  border-radius: 14px;
  background: var(--fmb-white);
  box-shadow: var(--fmb-shadow-sm);
  color: var(--fmb-navy);
  text-decoration: none;
  transition: transform var(--fmb-transition), box-shadow var(--fmb-transition);
}

.fmb-start-essential-feature:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 36px rgba(7, 24, 47, 0.1);
}

.fmb-start-essential-feature__media,
.fmb-start-essential-card__media {
  overflow: hidden;
  background: var(--fmb-navy);
}

.fmb-start-essential-feature__media img,
.fmb-start-essential-card__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 280ms ease;
}

.fmb-start-essential-feature:hover img,
.fmb-start-essential-card:hover img {
  transform: scale(1.025);
}

.fmb-start-media-fallback {
  display: grid;
  width: 100%;
  height: 100%;
  min-height: 145px;
  background: radial-gradient(circle at 65% 30%, rgba(212, 182, 120, 0.32), transparent 38%), linear-gradient(145deg, var(--fmb-navy), var(--fmb-navy-dark));
  color: var(--fmb-gold);
  font-family: var(--fmb-font-display);
  font-size: clamp(2rem, 4vw, 4rem);
  place-items: center;
}

.fmb-start-essential-feature__body {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 28px 30px;
}

.fmb-start-essential-feature__label {
  align-self: flex-start;
  margin-bottom: 16px;
  padding: 5px 10px;
  border-radius: var(--fmb-radius-pill);
  background: var(--fmb-start-soft-gold);
  color: var(--fmb-gold-dark);
  font-size: 0.63rem;
  font-weight: 750;
  letter-spacing: 0.065em;
  text-transform: uppercase;
}

.fmb-start-essential-feature h3 {
  margin: 0;
  color: var(--fmb-navy);
  font-family: var(--fmb-font-display);
  font-size: clamp(1.45rem, 1.85vw, 1.9rem);
  line-height: 1.12;
}

.fmb-start-essential-feature__body > p {
  margin: 10px 0 16px;
  color: var(--fmb-body);
  font-size: 0.91rem;
  line-height: 1.7;
}

.fmb-start-essentials__list {
  display: grid;
  grid-auto-rows: 1fr;
  overflow: hidden;
  border: 1px solid var(--fmb-start-border);
  border-radius: 14px;
  background: var(--fmb-white);
}

.fmb-start-essential-card {
  display: grid;
  grid-template-columns: 108px minmax(0, 1fr) 18px;
  gap: 16px;
  align-items: center;
  min-width: 0;
  padding: 13px 16px;
  color: var(--fmb-navy);
  text-decoration: none;
  transition: background var(--fmb-transition);
}

.fmb-start-essential-card + .fmb-start-essential-card {
  border-top: 1px solid var(--fmb-start-border);
}

.fmb-start-essential-card:hover {
  background: var(--fmb-off-white);
}

.fmb-start-essential-card__media {
  width: 108px;
  height: 76px;
  border-radius: 7px;
}

.fmb-start-essential-card__media .fmb-start-media-fallback {
  min-height: 76px;
  font-size: 1.25rem;
}

.fmb-start-essential-card__meta {
  margin: 0 0 5px;
  color: var(--fmb-gold-dark);
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  line-height: 1.35;
  text-transform: uppercase;
}

.fmb-start-essential-card h3 {
  margin: 0;
  color: var(--fmb-navy);
  font-size: 0.86rem;
  font-weight: 700;
  line-height: 1.42;
}

.fmb-start-essential-card__arrow {
  color: var(--fmb-gold-dark);
  transition: transform var(--fmb-transition);
}

.fmb-start-essential-card:hover .fmb-start-essential-card__arrow {
  transform: translateX(3px);
}

/* =========================================================
   7. STARTER TOOLS
========================================================= */

.fmb-start-tools {
  background: var(--fmb-off-white);
}

.fmb-start-tools__grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.fmb-start-tool-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 245px;
  padding: 22px;
  border: 1px solid var(--fmb-start-border);
  border-radius: 12px;
  background: var(--fmb-white);
  box-shadow: 0 8px 24px rgba(7, 24, 47, 0.045);
}

.fmb-start-tool-card--available {
  border-top: 3px solid var(--fmb-gold);
}

.fmb-start-tool-card__top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 17px;
}

.fmb-start-tool-card__icon {
  display: grid;
  width: 46px;
  height: 46px;
  border-radius: 10px;
  background: var(--fmb-cream-dark);
  color: var(--fmb-navy);
  place-items: center;
}

.fmb-start-tool-card__icon svg {
  width: 24px;
  height: 24px;
}

.fmb-start-tool-card__category {
  margin: 0 0 8px;
  color: var(--fmb-gold-dark);
  font-size: 0.64rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  line-height: 1.3;
  text-transform: uppercase;
}

.fmb-start-tool-card h3 {
  margin: 0;
  color: var(--fmb-navy);
  font-family: var(--fmb-font-display);
  font-size: clamp(1.22rem, 1.65vw, 1.52rem);
  line-height: 1.18;
}

.fmb-start-tool-card > p:not(.fmb-start-tool-card__category) {
  margin: 12px 0 20px;
  color: var(--fmb-body);
  font-size: 0.83rem;
  line-height: 1.62;
}

.fmb-start-tool-card__footer {
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid var(--fmb-start-border);
}

.fmb-start-tool-card__disabled {
  color: var(--fmb-muted);
  font-size: 0.77rem;
  font-style: italic;
  line-height: 1.4;
}

/* =========================================================
   8. DECISION FRAMEWORK
========================================================= */

.fmb-start-framework {
  background:
    radial-gradient(circle at 8% 10%, rgba(212, 182, 120, 0.08), transparent 28%),
    var(--fmb-navy);
  color: var(--fmb-white);
}

.fmb-start-framework .fmb-start-heading h2 {
  color: var(--fmb-white);
}

.fmb-start-framework .fmb-start-heading > p:not(.fmb-start-eyebrow) {
  color: rgba(255, 255, 255, 0.68);
}

.fmb-start-framework .fmb-start-eyebrow {
  color: var(--fmb-gold);
}

.fmb-start-framework .fmb-start-eyebrow::before {
  background: var(--fmb-gold);
}

.fmb-start-framework__steps {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.13);
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.035);
}

.fmb-start-framework__step {
  position: relative;
  min-width: 0;
  padding: 20px 20px 18px;
  text-align: left;
}

.fmb-start-framework__step + .fmb-start-framework__step {
  border-left: 1px solid rgba(255, 255, 255, 0.12);
}

.fmb-start-framework__icon {
  display: grid;
  width: 38px;
  height: 38px;
  margin: 0 0 12px;
  border: 1px solid rgba(212, 182, 120, 0.44);
  border-radius: 50%;
  background: rgba(212, 182, 120, 0.08);
  color: var(--fmb-gold);
  place-items: center;
}

.fmb-start-framework__icon svg {
  width: 18px;
  height: 18px;
}


.fmb-start-framework__step h3 {
  margin: 0;
  color: var(--fmb-white);
  font-size: 0.82rem;
  line-height: 1.35;
}

.fmb-start-framework__step p {
  margin: 6px 0 0;
  color: rgba(255, 255, 255, 0.62);
  font-size: 0.7rem;
  line-height: 1.5;
}

.fmb-start-framework__arrow {
  position: absolute;
  top: 28px;
  right: -9px;
  z-index: 2;
  display: grid;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--fmb-navy);
  color: var(--fmb-gold);
  place-items: center;
}

/* =========================================================
   9. FINANCIAL CHECKUP CTA
========================================================= */

.fmb-start-checkup {
  padding-top: clamp(30px, 3vw, 46px);
  padding-bottom: clamp(30px, 3vw, 46px);
  background: var(--fmb-off-white);
}

.fmb-start-checkup__card {
  position: relative;
  display: grid;
  grid-template-columns: 76px minmax(0, 1fr) auto;
  gap: 28px;
  align-items: center;
  overflow: hidden;
  padding: clamp(30px, 4vw, 50px);
  border: 1px solid rgba(212, 182, 120, 0.25);
  border-radius: 14px;
  background: linear-gradient(115deg, var(--fmb-navy-dark), var(--fmb-navy));
  box-shadow: var(--fmb-shadow-lg);
  color: var(--fmb-white);
}

.fmb-start-checkup__card::after {
  position: absolute;
  right: -90px;
  bottom: -170px;
  width: 420px;
  height: 420px;
  border: 1px solid rgba(212, 182, 120, 0.18);
  border-radius: 50%;
  box-shadow: 0 0 0 38px rgba(212, 182, 120, 0.045), 0 0 0 76px rgba(212, 182, 120, 0.025);
  content: "";
  pointer-events: none;
}

.fmb-start-checkup__icon {
  position: relative;
  z-index: 1;
  display: grid;
  width: 76px;
  height: 76px;
  border: 1px solid rgba(212, 182, 120, 0.62);
  border-radius: 50%;
  color: var(--fmb-gold);
  place-items: center;
}

.fmb-start-checkup__icon svg {
  width: 34px;
  height: 34px;
}

.fmb-start-checkup__copy {
  position: relative;
  z-index: 1;
  max-width: 760px;
}

.fmb-start-checkup__eyebrow {
  margin: 0 0 6px;
  color: var(--fmb-gold) !important;
  font-family: "Montserrat", sans-serif;
  font-size: 0.67rem !important;
  font-weight: 700;
  letter-spacing: 0.1em;
  line-height: 1.3 !important;
  text-transform: uppercase;
}

.fmb-start-checkup__copy h2 {
  margin: 0;
  color: var(--fmb-white);
  font-family: var(--fmb-font-display);
  font-size: clamp(1.9rem, 3vw, 2.85rem);
  line-height: 1.08;
}

.fmb-start-checkup__copy > p:last-child {
  margin: 10px 0 0;
  color: rgba(255, 255, 255, 0.73);
  font-size: 0.9rem;
  line-height: 1.65;
}

.fmb-start-checkup__button {
  position: relative;
  z-index: 1;
  min-width: 240px;
  justify-content: center;
  white-space: nowrap;
}

/* =========================================================
   10. TRUST STRIP
========================================================= */

.fmb-start-trust {
  padding-top: 34px;
  padding-bottom: 54px;
  background: var(--fmb-white);
}

.fmb-start-trust__inner {
  display: grid;
  grid-template-columns: 0.72fr 2.2fr auto;
  gap: clamp(28px, 3.5vw, 50px);
  align-items: center;
  padding: 30px 0;
  border-top: 1px solid var(--fmb-start-border);
  border-bottom: 1px solid var(--fmb-start-border);
}

.fmb-start-trust__label .fmb-start-eyebrow {
  margin-bottom: 7px;
}

.fmb-start-trust__label h2 {
  margin: 0;
  color: var(--fmb-navy);
  font-family: var(--fmb-font-display);
  font-size: clamp(1.4rem, 2vw, 1.8rem);
  line-height: 1.15;
}

.fmb-start-trust__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 20px 28px;
}

.fmb-start-trust__item {
  display: grid;
  grid-template-columns: 38px minmax(0, 1fr);
  gap: 12px;
  align-items: start;
}

.fmb-start-trust__icon {
  display: grid;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--fmb-cream-dark);
  color: var(--fmb-navy);
  place-items: center;
}

.fmb-start-trust__icon svg {
  width: 19px;
  height: 19px;
}

.fmb-start-trust__item h3 {
  margin: 0;
  color: var(--fmb-navy);
  font-size: 0.79rem;
  line-height: 1.35;
}

.fmb-start-trust__item p {
  margin: 4px 0 0;
  color: var(--fmb-body);
  font-size: 0.7rem;
  line-height: 1.5;
}

.fmb-start-trust__links {
  display: grid;
  gap: 11px;
  min-width: 145px;
}

.fmb-start-trust__links a {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  color: var(--fmb-navy);
  font-size: 0.74rem;
  font-weight: 700;
  text-decoration: none;
}

.fmb-start-trust__links a span {
  color: var(--fmb-gold-dark);
}

.fmb-start-trust__links a:hover {
  color: var(--fmb-gold-dark);
}

/* =========================================================
   11. RESPONSIVE
========================================================= */

@media (max-width: 1180px) {
  .fmb-start-focus__tabs {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .fmb-start-roadmap__inner {
    grid-template-columns: 180px repeat(3, minmax(0, 1fr));
  }

  .fmb-start-roadmap__step {
    grid-template-columns: 42px 1fr;
  }

  .fmb-start-roadmap__arrow {
    display: none;
  }

  .fmb-start-essentials__grid {
    grid-template-columns: 1fr;
  }

  .fmb-start-essentials__list {
    grid-template-columns: repeat(2, 1fr);
    grid-template-rows: auto;
  }

  .fmb-start-essential-card:nth-child(2) {
    border-top: 0;
  }

  .fmb-start-essential-card:nth-child(even) {
    border-left: 1px solid var(--fmb-start-border);
  }

  .fmb-start-trust__inner {
    grid-template-columns: 0.8fr 2.2fr;
  }

  .fmb-start-trust__links {
    grid-column: 2;
    grid-template-columns: repeat(2, max-content);
    justify-content: start;
  }
}

@media (max-width: 1024px) {
  .fmb-start-focus__panel-grid {
    grid-template-columns: 220px minmax(0, 1fr);
  }

  .fmb-start-focus__recommendations {
    grid-template-columns: 1.25fr 1fr 1fr;
  }

  .fmb-start-myths__layout {
    grid-template-columns: 1fr;
    gap: 28px;
  }

  .fmb-start-myths__intro {
    position: static;
    max-width: 760px;
  }

  .fmb-start-tools__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .fmb-start-framework__steps {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    border-bottom: 1px solid rgba(255, 255, 255, 0.13);
  }

  .fmb-start-framework__step {
    border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  }

  .fmb-start-framework__step:nth-child(4) {
    border-left: 0;
  }

  .fmb-start-framework__arrow {
    display: none;
  }

  .fmb-start-checkup__card {
    grid-template-columns: 68px 1fr;
  }

  .fmb-start-checkup__icon {
    width: 68px;
    height: 68px;
  }

  .fmb-start-checkup__button {
    grid-column: 2;
    justify-self: start;
  }
}

@media (max-width: 820px) {
  .fmb-start-focus,
  .fmb-start-myths,
  .fmb-start-essentials,
  .fmb-start-tools,
  .fmb-start-framework,
  .fmb-start-checkup,
  .fmb-start-trust {
    padding-top: 42px;
    padding-bottom: 42px;
  }

  .fmb-start-focus__tabs {
    gap: 10px;
  }

  .fmb-start-focus__tab {
    min-height: 48px;
    padding-inline: 15px;
    font-size: 0.82rem;
  }

  .fmb-start-focus__panel-grid {
    grid-template-columns: 1fr;
  }

  .fmb-start-focus__intro {
    min-height: 0;
    padding: 24px;
  }

  .fmb-start-focus__recommendations {
    grid-template-columns: 1fr;
  }

  .fmb-start-focus__column + .fmb-start-focus__column {
    border-top: 1px solid var(--fmb-start-border);
    border-left: 0;
  }

  .fmb-start-roadmap {
    padding: 0;
  }

  .fmb-start-roadmap__inner {
    grid-template-columns: 1fr;
  }

  .fmb-start-roadmap__label {
    min-height: 0;
    padding: 18px 22px;
  }

  .fmb-start-roadmap__label strong {
    display: inline;
  }

  .fmb-start-roadmap__step {
    min-height: 0;
    padding: 18px 22px;
    border-top: 1px solid var(--fmb-start-border);
    border-left: 0;
  }

  .fmb-start-essential-feature {
    grid-template-columns: 1fr;
  }

  .fmb-start-essential-feature__media {
    min-height: 260px;
  }

  .fmb-start-trust__inner {
    grid-template-columns: 1fr;
  }

  .fmb-start-trust__links {
    grid-column: auto;
  }
}

@media (max-width: 640px) {
  .fmb-start-focus__tabs {
    grid-template-columns: 1fr;
  }

  .fmb-start-focus__tab {
    justify-content: flex-start;
    min-height: 52px;
    padding: 11px 19px;
    text-align: left;
  }

  .fmb-start-focus__intro {
    padding: 22px 20px;
  }

  .fmb-start-focus__intro-icon {
    width: 44px;
    height: 44px;
  }

  .fmb-start-focus__intro-icon svg {
    width: 22px;
    height: 22px;
  }

  .fmb-start-focus__intro h3 {
    font-size: 1.65rem;
  }

  .fmb-start-focus__column {
    padding: 22px 20px;
  }

  .fmb-start-myths__filters {
    flex-wrap: nowrap;
    overflow-x: auto;
    padding-bottom: 5px;
    scrollbar-width: none;
  }

  .fmb-start-myths__filters::-webkit-scrollbar {
    display: none;
  }

  .fmb-start-myths__filter {
    flex: 0 0 auto;
  }

  .fmb-start-myth-row {
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 12px;
    padding: 14px 15px;
  }

  .fmb-start-myth-row__claim {
    grid-column: 1 / -1;
  }

  .fmb-start-verdict {
    justify-self: start;
    min-width: 92px;
  }

  .fmb-start-myth-row__arrow {
    justify-self: end;
  }

  .fmb-start-essentials__list {
    grid-template-columns: 1fr;
  }

  .fmb-start-essential-card:nth-child(2),
  .fmb-start-essential-card:nth-child(even) {
    border-top: 1px solid var(--fmb-start-border);
    border-left: 0;
  }

  .fmb-start-essential-card:first-child {
    border-top: 0;
  }

  .fmb-start-essential-card {
    grid-template-columns: 90px minmax(0, 1fr) 16px;
    padding: 12px 13px;
  }

  .fmb-start-essential-card__media {
    width: 90px;
    height: 70px;
  }

  .fmb-start-essential-feature__media {
    min-height: 220px;
  }

  .fmb-start-essential-feature__body {
    padding: 25px 22px 28px;
  }

  .fmb-start-tools__grid,
  .fmb-start-framework__steps,
  .fmb-start-trust__grid {
    grid-template-columns: 1fr;
  }

  .fmb-start-tool-card {
    min-height: 0;
  }

  .fmb-start-framework__step + .fmb-start-framework__step,
  .fmb-start-framework__step:nth-child(4) {
    border-left: 0;
  }

  .fmb-start-framework__step {
    padding: 24px 18px;
  }

  .fmb-start-checkup__card {
    grid-template-columns: 1fr;
    gap: 18px;
    padding: 28px 22px;
  }

  .fmb-start-checkup__icon {
    width: 62px;
    height: 62px;
  }

  .fmb-start-checkup__button {
    grid-column: auto;
    width: 100%;
    min-width: 0;
  }

  .fmb-start-trust__links {
    grid-template-columns: 1fr;
  }
}

@media (prefers-reduced-motion: reduce) {
  .fmb-start-section *,
  .fmb-start-section *::before,
  .fmb-start-section *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}


/* =========================================================
   12. COMPACT CONSISTENCY REFINEMENTS
========================================================= */
@media (max-width: 640px) {
  .fmb-start-focus__tabs {
    grid-template-columns: 1fr;
  }

  .fmb-start-focus__intro {
    display: flex;
    padding: 22px 20px;
  }

  .fmb-start-focus__intro-icon {
    width: 40px;
    height: 40px;
  }

  .fmb-start-framework__steps {
    grid-template-columns: 1fr;
  }

  .fmb-start-framework__step + .fmb-start-framework__step {
    border-left: 0;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
  }
}

/* =========================================================
   13. START HERE COMPOSITION REFINEMENTS
   Page-specific spacing and component treatments. Shared editorial
   typography and action-link primitives live in editorial.css.
========================================================= */

/* Keep the Start Here vertical rhythm tighter than hero-led landing pages. */
.fmb-start-focus,
.fmb-start-myths,
.fmb-start-essentials,
.fmb-start-tools,
.fmb-start-framework,
.fmb-start-trust {
  padding-top: clamp(34px, 3vw, 46px);
  padding-bottom: clamp(34px, 3vw, 46px);
}

/* Shared heading typography and text-link affordances come from editorial.css. */
.fmb-start-focus__explore {
  gap: 7px;
  padding-bottom: 3px;
  border-bottom: 1px solid rgba(212, 182, 120, 0.58);
  color: var(--fmb-gold);
  font-size: 0.78rem;
  font-weight: 750;
}

.fmb-start-focus__explore:hover,
.fmb-start-focus__explore:focus-visible {
  border-bottom-color: var(--fmb-gold-hover);
  color: var(--fmb-gold-hover);
}

.fmb-start-focus__articles a {
  text-decoration: underline;
  text-decoration-color: rgba(168, 130, 58, 0.3);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}

.fmb-start-focus__articles a:hover,
.fmb-start-focus__articles a:focus-visible {
  text-decoration-color: var(--fmb-gold-dark);
}

/* ---------------------------------------------------------
   First 15 Minutes: light three-card roadmap
--------------------------------------------------------- */
.fmb-start-roadmap {
  padding: clamp(34px, 3vw, 46px) 0;
  background: var(--fmb-white);
}

.fmb-start-roadmap__heading {
  margin-bottom: 20px;
}

.fmb-start-roadmap__grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.fmb-start-roadmap__card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-height: 190px;
  padding: 24px 24px 22px;
  border: 1px solid var(--fmb-start-border);
  border-radius: 12px;
  background: var(--fmb-white);
  box-shadow: 0 7px 20px rgba(7, 24, 47, 0.045);
}

.fmb-start-roadmap__card::before {
  position: absolute;
  top: 0;
  left: 24px;
  width: 42px;
  height: 2px;
  background: var(--fmb-gold-dark);
  content: "";
}

.fmb-start-roadmap__number {
  display: grid;
  width: 42px;
  height: 42px;
  margin-bottom: 15px;
  border: 1px solid rgba(168, 130, 58, 0.34);
  border-radius: 50%;
  color: var(--fmb-gold-dark);
  font-family: var(--fmb-font-display);
  font-size: 1.18rem;
  place-items: center;
}

.fmb-start-roadmap__card h3 {
  margin: 0;
  color: var(--fmb-navy);
  font-size: 0.96rem;
  font-weight: 700;
  line-height: 1.35;
}

.fmb-start-roadmap__card > p {
  margin: 7px 0 18px;
  color: var(--fmb-body);
  font-size: 0.84rem;
  line-height: 1.55;
}

.fmb-start-roadmap__cta {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  align-self: flex-start;
  margin-top: auto;
  padding-bottom: 3px;
  border-bottom: 1px solid rgba(168, 130, 58, 0.5);
  color: var(--fmb-navy);
  font-size: 0.78rem;
  font-weight: 750;
  text-decoration: none;
}

.fmb-start-roadmap__cta span {
  color: var(--fmb-gold-dark);
  transition: transform var(--fmb-transition);
}

.fmb-start-roadmap__cta:hover,
.fmb-start-roadmap__cta:focus-visible {
  border-bottom-color: var(--fmb-gold-dark);
  color: var(--fmb-gold-dark);
}

.fmb-start-roadmap__cta:hover span,
.fmb-start-roadmap__cta:focus-visible span {
  transform: translateX(3px);
}

/* ---------------------------------------------------------
   Essentials: never leave a fake empty second column
--------------------------------------------------------- */
.fmb-start-essentials__grid--single {
  grid-template-columns: 1fr;
  width: 100%;
}

.fmb-start-essentials__grid--single .fmb-start-essential-feature {
  grid-template-columns: minmax(340px, 0.78fr) minmax(0, 1.22fr);
  min-height: 250px;
  width: 100%;
}

.fmb-start-essentials__grid--single .fmb-start-essential-feature__media {
  min-height: 250px;
}

.fmb-start-essentials__grid--single .fmb-start-essential-feature__body {
  max-width: 720px;
  padding: 30px clamp(30px, 4vw, 58px);
}

/* ---------------------------------------------------------
   Framework: same heading scale as homepage, still a navy beat
--------------------------------------------------------- */
.fmb-start-framework .fmb-start-heading {
  max-width: 880px;
}

.fmb-start-framework__step h3 {
  font-size: 0.84rem;
}

.fmb-start-framework__step p {
  font-size: 0.73rem;
}

/* ---------------------------------------------------------
   Trust: proper medium-weight credibility section
--------------------------------------------------------- */
.fmb-start-trust {
  padding-top: clamp(40px, 3.5vw, 52px);
  padding-bottom: clamp(40px, 3.5vw, 52px);
  background:
    radial-gradient(circle at 88% 12%, rgba(212, 182, 120, 0.10), transparent 30%),
    var(--fmb-cream);
}

.fmb-start-trust__heading {
  max-width: 800px;
  margin-bottom: 24px;
}

.fmb-start-trust__grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 12px;
}

.fmb-start-trust__item {
  display: flex;
  flex-direction: column;
  gap: 13px;
  min-height: 170px;
  padding: 22px 20px;
  border: 1px solid rgba(7, 24, 47, 0.10);
  border-radius: 11px;
  background: rgba(255, 255, 255, 0.72);
}

.fmb-start-trust__icon {
  width: 42px;
  height: 42px;
  flex: 0 0 42px;
  border: 1px solid rgba(168, 130, 58, 0.18);
  background: var(--fmb-white);
}

.fmb-start-trust__item h3 {
  margin: 0;
  color: var(--fmb-navy);
  font-size: 0.88rem;
  line-height: 1.35;
}

.fmb-start-trust__item p {
  margin: 6px 0 0;
  color: var(--fmb-body);
  font-size: 0.79rem;
  line-height: 1.55;
}

.fmb-start-trust__links {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 20px;
}

.fmb-start-outline-link {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  min-height: 42px;
  padding: 10px 15px;
  border: 1px solid rgba(168, 130, 58, 0.55);
  border-radius: 7px;
  background: rgba(255, 255, 255, 0.68);
  color: var(--fmb-navy);
  font-size: 0.78rem;
  font-weight: 750;
  text-decoration: none;
  transition: border-color var(--fmb-transition), background var(--fmb-transition), color var(--fmb-transition), transform var(--fmb-transition);
}

.fmb-start-outline-link span {
  color: var(--fmb-gold-dark);
  transition: transform var(--fmb-transition);
}

.fmb-start-outline-link:hover,
.fmb-start-outline-link:focus-visible {
  border-color: var(--fmb-gold-dark);
  background: var(--fmb-white);
  color: var(--fmb-gold-dark);
  transform: translateY(-1px);
}

.fmb-start-outline-link:hover span,
.fmb-start-outline-link:focus-visible span {
  transform: translateX(3px);
}

@media (max-width: 1024px) {
  .fmb-start-roadmap__grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .fmb-start-trust__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 820px) {
  .fmb-start-roadmap {
    padding-top: 38px;
    padding-bottom: 38px;
  }

  .fmb-start-roadmap__grid {
    grid-template-columns: 1fr;
  }

  .fmb-start-roadmap__card {
    min-height: 0;
  }

  .fmb-start-essentials__grid--single .fmb-start-essential-feature {
    grid-template-columns: 1fr;
  }

  .fmb-start-essentials__grid--single .fmb-start-essential-feature__media {
    min-height: 230px;
  }
}

@media (max-width: 640px) {
  .fmb-start-focus,
  .fmb-start-myths,
  .fmb-start-essentials,
  .fmb-start-tools,
  .fmb-start-framework,
  .fmb-start-trust,
  .fmb-start-roadmap {
    padding-top: 34px;
    padding-bottom: 34px;
  }


  .fmb-start-trust__grid {
    grid-template-columns: 1fr;
  }

  .fmb-start-trust__item {
    min-height: 0;
  }

  .fmb-start-trust__links {
    display: grid;
    grid-template-columns: 1fr;
  }

  .fmb-start-outline-link {
    justify-content: space-between;
    width: 100%;
  }
}

/* =========================================================
   14. START HERE PAGE RHYTHM
   Tighter guided-flow spacing plus treatment for reused Home modules
   and secondary trust actions.
========================================================= */

/* Start Here should read as one guided page, not a stack of isolated blocks. */
.fmb-start-focus,
.fmb-start-myths,
.fmb-start-essentials,
.fmb-start-tools,
.fmb-start-framework,
.fmb-start-trust,
.fmb-start-roadmap {
  padding-top: clamp(28px, 2.35vw, 36px);
  padding-bottom: clamp(28px, 2.35vw, 36px);
}

.fmb-start-checkup {
  padding-top: clamp(24px, 2.2vw, 34px);
  padding-bottom: clamp(24px, 2.2vw, 34px);
}

/* homepage.css is loaded before this file on Start Here, so these only tighten
   the reused homepage modules on pages that also contain Start Here modules. */
.fmb-home-topics {
  padding-top: clamp(30px, 2.5vw, 38px);
  padding-bottom: clamp(30px, 2.5vw, 38px);
}

.fmb-home-sources {
  padding-top: clamp(28px, 2.4vw, 36px);
  padding-bottom: clamp(28px, 2.4vw, 36px);
}


/* Secondary trust actions should feel branded, but remain below primary CTAs. */
.fmb-start-outline-link {
  min-height: 44px;
  padding: 11px 17px;
  border-color: rgba(168, 130, 58, 0.66);
  background: rgba(212, 182, 120, 0.20);
  color: var(--fmb-navy);
  font-weight: 750;
}

.fmb-start-outline-link span {
  color: var(--fmb-gold-dark);
}

.fmb-start-outline-link:hover,
.fmb-start-outline-link:focus-visible {
  border-color: var(--fmb-gold-dark);
  background: var(--fmb-gold);
  color: var(--fmb-navy-dark);
}

@media (max-width: 640px) {
  .fmb-start-focus,
  .fmb-start-myths,
  .fmb-start-essentials,
  .fmb-start-tools,
  .fmb-start-framework,
  .fmb-start-trust,
  .fmb-start-roadmap,
  .fmb-start-checkup {
    padding-top: 28px;
    padding-bottom: 28px;
  }

  .fmb-home-topics,
  .fmb-home-sources {
    padding-top: 28px;
    padding-bottom: 28px;
  }
}

/* =========================================================
   FMB TOOL CARD CTA — SHARED BRAND PATTERN
   ========================================================= */
.fmb-start-tool-card__footer .fmb-start-text-link {
  display: flex;
  width: 100%;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 10px 16px;
  border: 1px solid var(--fmb-gold-dark);
  border-radius: 4px;
  background: #fff;
  color: var(--fmb-navy);
  font-size: 0.74rem;
  font-weight: 800;
  text-align: center;
  text-decoration: none;
  transition: background var(--fmb-transition), border-color var(--fmb-transition), box-shadow var(--fmb-transition), color var(--fmb-transition), transform var(--fmb-transition);
}

.fmb-start-tool-card__footer .fmb-start-text-link span {
  color: currentColor;
  transition: transform var(--fmb-transition);
}

.fmb-start-tool-card__footer .fmb-start-text-link:hover,
.fmb-start-tool-card__footer .fmb-start-text-link:focus-visible {
  border-color: var(--fmb-gold);
  background: var(--fmb-gold);
  color: var(--fmb-navy);
  box-shadow: 0 8px 18px rgba(7, 24, 47, .08);
  transform: translateY(-1px);
}

.fmb-start-tool-card__footer .fmb-start-text-link:hover span,
.fmb-start-tool-card__footer .fmb-start-text-link:focus-visible span {
  transform: translateX(3px);
}