:root{--ink:#1E232C;--navy:#374158;--slate:#4C5A72;--coral:#CF4329;--coral-hover:#B33A22;--coral-bright:#F0644A;--coral-soft:#FF9A85;--muted:#5A6270;--light:#F2F4F8;--line:#DFE3EC;--white:#fff;--topbar-text:#B7BDC9;--radius:14px;--radius-sm:10px;--shadow:0 10px 30px rgba(30,35,44,.08);--font-body:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;--font-head:'Manrope','Inter',system-ui,sans-serif;--wrap:1180px}
*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
html{scroll-padding-top:16px;-webkit-text-size-adjust:100%}
body{font-family:var(--font-body);font-size:17px;line-height:1.7;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
h1{font-size:clamp(1.85rem,4.6vw,2.9rem)}
h2{font-size:clamp(1.45rem,3vw,2.15rem)}
h3{font-size:clamp(1.1rem,2vw,1.3rem)}
a{color:var(--coral-hover);text-underline-offset:3px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--coral-bright);outline-offset:2px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:10000;border-radius:0 0 8px 0}
.skip-link:focus{left:0}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
main p + p{margin-top:14px}
main h2 + p,main h3 + p{margin-top:14px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--coral);color:#fff;font-weight:700;font-size:16px;line-height:1.2;padding:15px 28px;text-decoration:none;border-radius:var(--radius-sm);box-shadow:0 10px 22px rgba(207,67,41,.28);border:2px solid transparent;cursor:pointer}
.btn:hover{background:var(--coral-hover);color:#fff}
.btn-alt{background:var(--navy);color:#fff;box-shadow:0 10px 22px rgba(55,65,88,.28)}
.btn-alt:hover{background:var(--ink);color:#fff}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:none}
.btn-ghost:hover{background:var(--light);color:var(--ink)}
.btn-light{background:#fff;color:var(--ink);box-shadow:none}
.btn-light:hover{background:var(--light);color:var(--ink)}
.btn-block{display:flex;width:100%}
/* topbar + nav */
.topbar{background:var(--navy);color:var(--topbar-text);font-size:13.5px;padding:9px 0}
.topbar-inner{display:flex;justify-content:space-between;gap:16px;align-items:center}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar-areas{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.nav-bar{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:200}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:78px}
.logo{flex-shrink:1;min-width:0;display:block}
.logo img{width:auto;height:44px;max-width:100%}
.nav-links{display:flex;align-items:center;gap:22px;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px}
.nav-links a:hover{color:var(--slate)}
.nav-links .nav-cta{color:#fff;padding:11px 20px;font-size:14.5px}
.nav-links .nav-cta:hover{color:#fff}
.has-dropdown{position:relative}
.dd-arrow{font-size:11px;margin-left:3px}
.dropdown{position:absolute;top:100%;left:-12px;min-width:270px;padding:8px 0;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .18s,visibility .18s,transform .18s;z-index:1000}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown li{list-style:none}
.dropdown a{display:block;padding:9px 18px;white-space:nowrap;font-weight:600}
.dropdown a:hover{background:var(--light);color:var(--ink)}
.dropdown .dd-all a{border-top:1px solid var(--line);margin-top:6px;padding-top:12px;color:var(--coral-hover)}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:44px;min-height:44px;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:2px;background:var(--ink);border-radius:2px;transition:transform .2s,opacity .2s}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(330px,88vw);background:#fff;z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:22px}
.mob-drawer[hidden]{display:block;transform:translateX(100%);visibility:hidden}
.mob-drawer:not([hidden]){transform:translateX(0);visibility:visible}
.drawer-close{position:absolute;top:10px;right:10px;width:44px;height:44px;background:none;border:0;font-size:22px;cursor:pointer;color:var(--ink)}
.drawer-list{list-style:none;margin:40px 0 0;padding:0}
.drawer-list li{list-style:none}
.drawer-list a{display:block;padding:13px 0;font-size:16.5px;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.drawer-list .drawer-sub a{padding-left:16px;font-weight:500;font-size:15.5px;color:var(--slate)}
.drawer-list .drawer-cta{margin-top:18px;border:0;text-align:center;color:#fff;background:var(--coral);border-radius:var(--radius-sm)}
.mob-overlay{position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:9998;opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s}
.mob-overlay.visible{opacity:1;visibility:visible}
/* page header */
.pagehead{position:relative;isolation:isolate;overflow:hidden;color:#fff;padding:54px 0 58px;background:linear-gradient(135deg,#2A3347 0%,var(--navy) 45%,var(--slate) 100%)}
.pagehead .wrap{position:relative;z-index:2}
.pagehead h1{color:#fff;max-width:880px}
.pagehead .hero-sub{font-size:18px;color:#E6E9F0;max-width:720px;margin-top:14px}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.has-hero::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,rgba(30,35,44,.88) 0%,rgba(30,35,44,.7) 55%,rgba(30,35,44,.5) 100%)}
.crumbs{font-size:13.5px;color:#C9CFDB;margin-bottom:18px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li{list-style:none}
.crumbs li + li::before{content:"/";margin-right:6px;color:#9AA3B5}
.crumbs a{color:#E6E9F0}
.crumbs a:hover{color:#fff}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--light);color:var(--navy);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:16px}
.badge::before{content:"";width:9px;height:9px;border-radius:50%;background:var(--coral-bright)}
.badge-alt{background:var(--coral);color:#fff}
.badge-alt::before{background:#fff}
.pagehead-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}
.zip-chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.35);color:#fff;font-weight:700;font-size:14px;padding:5px 14px;border-radius:100px}
.byline{margin-top:14px;font-size:14px;color:#E6E9F0}
/* home hero */
.hero{background:#fff;padding:64px 0;position:relative;isolation:isolate;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative;z-index:2}
.hero h1{font-size:clamp(2rem,4.6vw,2.9rem);line-height:1.12;margin-bottom:16px}
.hero h1 span{color:var(--slate);display:block}
.hero .hero-sub{color:var(--muted);font-size:17.5px;max-width:520px;margin-bottom:24px}
.hero.has-hero h1,.hero.has-hero .hero-sub{color:#fff}
.hero.has-hero h1 span{color:#E6E9F0}
.hero.has-hero .trustrow{color:#E6E9F0}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:18px;flex-wrap:wrap;color:var(--muted);font-size:13.5px;font-weight:600;list-style:none}
.trustrow li{list-style:none}
.trustrow li::before{content:"\2713\00a0";color:var(--slate);font-weight:700}
.hero.has-hero .trustrow li::before{color:#fff}
.statpanel{background:var(--navy);color:#fff;border-radius:var(--radius);padding:28px}
.statpanel h2{font-size:15px;opacity:.8;margin-bottom:12px;color:#fff;font-family:var(--font-body);font-weight:600;letter-spacing:.02em}
.strow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:14.5px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--coral-soft);font-family:var(--font-head);font-size:16.5px;text-align:right}
.strip{background:var(--light);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip-inner{display:flex;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:10px 24px;list-style:none}
.strip-inner li{list-style:none;display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.strip .ic{color:var(--slate);font-size:18px}
.emergency{background:var(--coral);color:#fff;padding:22px 0}
.emergency-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px;color:#fff}
.emergency p{font-size:15px;color:#fff;margin-top:2px}
.emergency .btn{background:var(--navy);box-shadow:none}
.emergency .btn:hover{background:var(--ink)}
/* sections */
.sec{padding:clamp(3rem,6vw,4.75rem) 0;background:#fff}
.sec-tint{background:var(--light)}
.kick{color:var(--navy);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec-head{margin-bottom:32px}
.sec-head h2{margin-top:8px}
.sec-head p{color:var(--muted);max-width:700px;margin-top:12px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column}
.card .ic{width:50px;height:50px;background:var(--light);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{margin-bottom:8px}
.card p{font-size:15px;color:var(--muted);margin-bottom:12px}
.card a.more{color:var(--coral-hover);font-weight:700;font-size:15px;text-decoration:none;margin-top:auto}
.card a.more:hover{color:var(--ink)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:var(--light);border-radius:var(--radius);padding:24px;text-align:center}
.sec-tint .whycard{background:#fff}
.whycard .num{width:44px;height:44px;background:var(--slate);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{margin-bottom:6px}
.whycard p{font-size:15px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.steps::before{content:"";position:absolute;top:30px;left:12%;right:12%;height:2px;background:var(--line)}
.step{text-align:center;padding:0 16px;position:relative}
.step .n{width:60px;height:60px;border-radius:50%;background:var(--coral);color:#fff;font-family:var(--font-head);font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{margin-bottom:6px}
.step p{font-size:15px;color:var(--muted)}
.insurepanel{background:var(--navy);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h2,.insurepanel h3{color:var(--coral-soft);font-size:clamp(1.25rem,2.4vw,1.6rem);margin-bottom:8px}
.insurepanel p{color:#D5DAE4;max-width:640px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;list-style:none}
.areas li{list-style:none}
.areas a{display:block;background:#fff;border:1px solid var(--line);padding:13px 14px;border-radius:var(--radius-sm);color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;text-align:center}
.areas a:hover{background:var(--light)}
.ctaband{background:var(--navy);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{font-size:clamp(1.6rem,3.6vw,2.4rem);color:#fff;margin-bottom:8px}
.ctaband p{font-size:17px;color:#D5DAE4;margin:0 auto 24px;max-width:640px}
.ctaband .btn{background:var(--coral);}
/* article layout */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.prose{min-width:0}
.prose > p,.prose .block p{max-width:72ch}
.prose .block{margin-top:44px}
.prose .block:first-child{margin-top:0}
.prose h2{margin-bottom:0}
.prose h3{margin-top:22px}
.prose ul.ticks{list-style:none;margin-top:16px;display:grid;gap:10px}
.prose ul.ticks li{list-style:none;position:relative;padding-left:30px;max-width:72ch}
.prose ul.ticks li::before{content:"\2713";position:absolute;left:0;top:0;color:var(--coral-hover);font-weight:700}
.intro-block p{font-size:18px}
.callout{background:var(--light);border:1px solid var(--line);border-left:5px solid var(--coral-bright);border-radius:var(--radius);padding:26px 28px}
.checklist{background:#fff;border:1px solid var(--line);border-top:5px solid var(--slate);border-radius:var(--radius);padding:26px 28px;box-shadow:var(--shadow)}
.table-wrap{overflow-x:auto;margin-top:18px;border:1px solid var(--line);border-radius:var(--radius-sm)}
.table-wrap table{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
.table-wrap th{background:var(--navy);color:#fff;text-align:left;font-family:var(--font-head);font-size:13px;letter-spacing:.04em;text-transform:uppercase;padding:13px 16px}
.table-wrap td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
.table-wrap tr:nth-child(even) td{background:var(--light)}
.cardgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:20px}
.mini{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px 22px;box-shadow:var(--shadow)}
.mini h3{margin-top:0;font-size:1.05rem;margin-bottom:6px}
.mini p{font-size:15.5px;color:var(--muted);margin-top:0}
.localnote{background:var(--light);border:1px solid var(--line);border-left:5px solid var(--slate);border-radius:var(--radius);padding:26px 28px}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-top:5px solid var(--coral);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.sidecard .kick{color:var(--coral-hover)}
.sidecard h3{margin:8px 0 8px;font-size:1.25rem}
.sidecard p{font-size:15px;color:var(--muted);margin-bottom:16px}
.side-list{list-style:none;margin:18px 0 0;display:grid;gap:9px;font-size:15px}
.side-list li{list-style:none;position:relative;padding-left:26px}
.side-list li::before{content:"\2713";position:absolute;left:0;color:var(--coral-hover);font-weight:700}
.side-link{margin-top:18px;padding-top:16px;border-top:1px solid var(--line);font-size:15px}
.side-link a{font-weight:700}
/* faq */
.faq-list{margin-top:18px;display:grid;gap:10px}
.faq-item{border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff;overflow:hidden}
.faq-item h3{margin:0;font-size:1.02rem}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:16px 52px 16px 18px;font:inherit;font-family:var(--font-head);font-weight:700;font-size:1.02rem;line-height:1.35;color:var(--ink);cursor:pointer;position:relative}
.faq-q::after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:24px;font-weight:600;color:var(--slate)}
.faq-item.open .faq-q::after{content:"\2212"}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-answer{max-height:1400px}
.faq-body{padding:0 18px 18px}
.faq-body p{max-width:72ch;font-size:16px}
.faq-close{margin-top:32px;background:var(--light);border:1px solid var(--line);border-radius:var(--radius);padding:24px 26px;display:flex;flex-wrap:wrap;gap:16px 24px;align-items:center;justify-content:space-between}
.faq-close p{font-weight:600;max-width:46ch}
/* maps */
.mapsec{background:var(--light);padding:44px 0 0}
.mapsec h2{font-size:clamp(1.3rem,2.6vw,1.8rem);margin-bottom:6px}
.mapsec p{color:var(--muted);margin-bottom:18px;max-width:70ch}
.mapwrap{border-radius:var(--radius) var(--radius) 0 0;overflow:hidden;border:1px solid var(--line);border-bottom:0;background:#e9edf3}
.mapwrap iframe{display:block;width:100%;height:340px;border:0}
.mapwrap-inline{margin-top:20px;border-radius:var(--radius);border-bottom:1px solid var(--line)}
.mapwrap-inline iframe{height:300px}
/* blog index */
.postgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.post{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column}
.post .tag{font-size:12.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--navy)}
.post h3{margin:8px 0 10px;font-size:1.12rem}
.post h3 a{color:var(--ink);text-decoration:none}
.post h3 a:hover{color:var(--coral-hover)}
.post p{font-size:15px;color:var(--muted)}
/* footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 28px;font-size:15px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
.footer-title{font-size:16px;margin-bottom:12px;color:var(--ink)}
.site-footer ul{list-style:none}
.site-footer li{list-style:none}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--coral-hover)}
.site-footer address{font-style:normal;color:var(--muted)}
.site-footer .footer-tel{color:var(--ink);font-weight:700;display:inline-block}
.footer-brand img{height:40px;width:auto;margin-bottom:14px}
.footer-bottom{margin-top:34px;padding-top:18px;border-top:1px solid var(--line);color:var(--muted);font-size:14px}
/* persistent CTAs */
.sticky-cta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:8000;background:var(--navy);padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
.sticky-cta a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:16px;text-decoration:none}
.float-call{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--coral);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 22px rgba(30,35,44,.3);z-index:7000;transition:opacity .2s}
.float-call:hover{background:var(--coral-hover);color:#fff}
.float-call.is-hidden{opacity:0;pointer-events:none}
/* utility pages */
.notfound{text-align:center;padding:90px 0}
.notfound h1{margin-bottom:12px}
.notfound p{margin:0 auto 24px;max-width:520px;color:var(--muted)}
.legal{max-width:78ch}
.legal h2{margin-top:36px;font-size:1.4rem}
.legal ul{margin:12px 0 0 22px}
.legal li{margin-top:6px}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.contact-card h3{margin-bottom:8px}
.contact-card p{color:var(--muted);font-size:15.5px}
.contact-card a{font-weight:700}
.decision{display:grid;gap:16px}
.sec-h2{margin-top:40px;margin-bottom:6px}
.sec-h2:first-child{margin-top:0}
/* breakpoints */
@media(max-width:1200px){.nav-links{gap:16px}.nav-links a{font-size:14px}}
@media(max-width:900px){
.hero .wrap,.insurepanel,.twocol{grid-template-columns:1fr}
.cards,.why,.steps,.postgrid,.contact-grid{grid-template-columns:1fr 1fr}
.steps::before{display:none}
.steps{row-gap:28px}
.areas{grid-template-columns:repeat(2,1fr)}
.footer-grid{grid-template-columns:1fr 1fr}
.sidecard{position:static}
.twocol{gap:32px}
}
@media(max-width:768px){
.nav-links{display:none}
.hamburger{display:flex}
.sticky-cta{display:block}
body{padding-bottom:64px}
.float-call{display:none}
.topbar-areas{display:none}
.topbar-inner{justify-content:center}
.logo img{height:38px}
}
@media(max-width:600px){
.cards,.why,.steps,.postgrid,.contact-grid,.cardgrid,.footer-grid{grid-template-columns:1fr}
.wrap{padding:0 18px}
.strip-inner{flex-direction:column}
.pagehead{padding:40px 0 44px}
.hero{padding:44px 0}
.callout,.checklist,.localnote{padding:20px 18px}
.insurepanel{padding:24px 20px}
.btn{width:100%}
.nav-links .nav-cta{width:auto}
}
@media(max-width:480px){.wrap{padding:0 16px}.topbar{font-size:13px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}
main a,.site-footer a,.site-footer address,.contact-card p,.legal p{overflow-wrap:anywhere}

.card-img,.post-img{display:block;width:calc(100% + 52px);max-width:none;margin:-26px -26px 16px;height:170px;object-fit:cover;border-radius:var(--radius) var(--radius) 0 0}
.post-img{width:calc(100% + 48px);margin:-24px -24px 14px;height:180px}
.inline-fig{margin:24px 0}
.inline-fig img{display:block;width:100%;height:auto;border-radius:var(--radius);border:1px solid var(--line)}