:root{--navy:#12233B;--blue:#0A4DA2;--deep:#083A7A;--amber:#FFB81C;--amber-d:#E6A200;--tint:#EEF5FD;--line:#D9E4F1;--muted:#51637C;--white:#fff;--soft:#BFD6F2;--radius:14px;--shadow:0 4px 14px rgba(255,184,28,.4);--head:'Figtree',system-ui,sans-serif;--body:'Source Sans 3',system-ui,sans-serif}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--body);font-size:17px;color:var(--navy);background:var(--white);line-height:1.65;-webkit-text-size-adjust:100%}
h1,h2,h3,h4{font-family:var(--head);letter-spacing:-.01em;line-height:1.2;color:var(--navy)}
img,iframe,svg{max-width:100%}
a{color:var(--blue);overflow-wrap:anywhere}
.btn,.navlinks a,.dropmenu a{overflow-wrap:normal}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--amber);color:var(--navy);padding:10px 16px;font-weight:700;z-index:200}
.skip-link:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--amber);color:var(--navy);font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:8px;box-shadow:var(--shadow);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--amber-d)}
.btn.alt{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(10,77,162,.3)}
.btn.alt:hover{background:var(--deep)}
.btn.ghost{background:#fff;color:var(--navy);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--tint)}
.btn.sm{font-size:14px;padding:11px 20px}
.btn.block{display:flex;width:100%}
.topbar{background:var(--deep);color:var(--soft);font-size:14px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--amber);font-weight:700;text-decoration:none}
.site-nav{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.navbar{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;flex-shrink:0}
.logo img{display:block;width:236px;height:48px}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a{display:block;color:var(--navy);text-decoration:none;font-weight:600;font-size:15px;padding:10px 12px}
.navlinks>li>a:hover{color:var(--blue)}
.navlinks .navcall{padding:0 0 0 8px}
.has-drop>a:after{content:"\25BE";font-size:11px;margin-left:5px;color:var(--muted)}
.dropmenu{display:none;position:absolute;left:0;top:100%;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 28px rgba(18,35,59,.14);padding:8px;list-style:none;z-index:70}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;color:var(--navy);text-decoration:none;font-weight:600;font-size:14.5px;border-radius:6px}
.dropmenu a:hover{background:var(--tint);color:var(--blue)}
.has-drop:hover>.dropmenu,.has-drop:focus-within>.dropmenu{display:block}
.navtoggle{display:none;background:#fff;border:2px solid var(--line);border-radius:8px;width:46px;height:42px;cursor:pointer;align-items:center;justify-content:center}
.navtoggle span,.navtoggle span:before,.navtoggle span:after{display:block;width:20px;height:2px;background:var(--navy);position:relative;content:""}
.navtoggle span:before{position:absolute;top:-6px}
.navtoggle span:after{position:absolute;top:6px}
/* hero (home) */
.hero{background:#fff;padding:64px 0;position:relative;isolation:isolate;overflow:hidden}
.hero .hero-inner{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative;z-index:2}
.hero h1{font-size:clamp(30px,4.2vw,44px);margin-bottom:16px}
.hero h1 span{color:var(--blue)}
.hero p.lead{color:var(--muted);font-size:18px;max-width:520px;margin-bottom:24px}
.hero.has-hero{background:var(--deep)}
.hero.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,58,122,.92) 0%,rgba(8,58,122,.74) 50%,rgba(8,58,122,.52) 100%);z-index:1}
.hero.has-hero h1,.hero.has-hero h1 span{color:#fff}
.hero.has-hero p.lead,.hero.has-hero .trustrow{color:#fff}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--tint);color:var(--deep);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"\25CF";color:var(--amber-d);font-size:10px}
.badge.badge-alt{background:var(--amber);color:var(--navy)}
.badge.badge-alt:before{color:var(--deep)}
.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:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713";margin-right:6px;color:var(--blue);font-weight:700}
.statpanel{background:var(--deep);color:#fff;border-radius:var(--radius);padding:28px}
.statpanel h2{font-size:15px;color:var(--soft);margin-bottom:16px;font-weight:600}
.strow{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.18);font-size:15px}
.strow:last-child{border-bottom:none}
.strow b{color:var(--amber);font-family:var(--head);font-size:17px;text-align:right}
.strip{background:var(--tint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:10px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14.5px}
.stripitem i{font-style:normal;color:var(--blue);font-size:18px}
.emergency{background:var(--amber);color:var(--navy);padding:22px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px}
.emergency p{font-size:15px}
.emergency .btn{background:var(--deep);color:#fff;box-shadow:none}
.emergency .btn:hover{background:var(--navy)}
/* sections */
.sec{padding:72px 0;background:#fff}
.sec.sec-tint{background:var(--tint)}
.kick{display:block;color:var(--deep);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.sech{font-size:34px;margin:10px 0 28px}
.sec p.secp{max-width:760px;color:var(--muted);margin:-10px 0 28px}
.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}
.card .ic{width:50px;height:50px;background:var(--tint);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:18px;margin-bottom:8px}
.card p{font-size:15px;color:var(--muted);margin-bottom:12px}
.card a.more{color:var(--blue);font-weight:700;font-size:15px;text-decoration:none}
.card a.more:hover{text-decoration:underline}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:var(--tint);border-radius:var(--radius);padding:24px;text-align:center}
.sec-tint .whycard{background:#fff}
.whycard .num{width:44px;height:44px;background:var(--blue);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--head);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;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(--amber);color:var(--navy);font-family:var(--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{font-size:17px;margin-bottom:6px}
.step p{font-size:15px;color:var(--muted)}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);margin:22px 0;background:#fff}
.dtable{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
.dtable th{background:var(--deep);color:#fff;text-align:left;font-family:var(--head);font-size:13px;letter-spacing:.04em;text-transform:uppercase;padding:14px 18px}
.dtable td{padding:14px 18px;border-top:1px solid var(--line);vertical-align:top}
.dtable tr:nth-child(even) td{background:var(--tint)}
.dtable td:first-child{font-weight:700}
.pricenote{font-size:14px;color:var(--muted);margin-top:14px;text-align:center;font-style:italic}
.insurepanel{background:var(--deep);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h3{font-size:24px;margin-bottom:8px;color:var(--amber)}
.insurepanel p{font-size:16px;color:var(--soft);max-width:560px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;list-style:none}
.areas a{display:block;background:var(--tint);padding:13px 14px;border-radius:10px;color:var(--navy);text-decoration:none;font-weight:600;font-size:15px;text-align:center}
.sec-tint .areas a{background:#fff;border:1px solid var(--line)}
.areas a:hover{background:var(--line)}
.ctaband{background:var(--deep);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:38px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:18px;margin:0 auto 24px;color:var(--soft);max-width:640px}
/* inner pages */
.pagehead{background:linear-gradient(135deg,var(--deep),var(--blue));color:#fff;padding:44px 0 48px;position:relative;isolation:isolate;overflow:hidden}
.pagehead .wrap{position:relative;z-index:2}
.pagehead h1{color:#fff;font-size:clamp(28px,3.8vw,40px);margin:10px 0 12px;max-width:900px}
.pagehead p.sub{color:#fff;font-size:18px;max-width:760px;margin-bottom:20px;opacity:.96}
.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,58,122,.92) 0%,rgba(8,58,122,.72) 55%,rgba(8,58,122,.45) 100%);z-index:1}
.crumbs{font-size:14px;color:var(--soft);list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"/";margin-right:6px;color:var(--soft)}
.crumbs a{color:#fff;text-decoration:underline}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px;list-style:none}
.zip-chip{display:inline-block;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.45);color:#fff;font-weight:700;font-size:14px;padding:5px 14px;border-radius:100px}
.zip-chip.primary{background:var(--amber);color:var(--navy);border-color:var(--amber)}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.prose h2{font-size:29px;margin:44px 0 14px}
.prose>h2:first-child{margin-top:0}
.prose h3{font-size:20px;margin:26px 0 8px}
.prose{min-width:0}
.prose p{max-width:760px}
main p+p{margin-top:14px}
main p,main li{overflow-wrap:anywhere}
.prose h2+p,.prose h3+p{margin-top:14px}
.prose ul,.prose ol{margin:14px 0 0 22px;max-width:740px}
.prose li{margin-top:8px}
.prose a{font-weight:600}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-top:5px solid var(--amber);border-radius:var(--radius);padding:24px;box-shadow:0 10px 30px rgba(18,35,59,.08)}
.sidecard .kick{color:var(--deep);margin-bottom:6px}
.sidecard h3{font-size:21px;margin-bottom:8px}
.sidecard p{font-size:15px;color:var(--muted);margin-bottom:14px}
.sidelist{list-style:none;margin:16px 0;padding:0}
.sidelist li{font-size:15px;padding:6px 0 6px 26px;position:relative;font-weight:600}
.sidelist li:before{content:"\2713";position:absolute;left:0;color:var(--blue);font-weight:700}
.sidemore{font-size:14.5px;border-top:1px solid var(--line);padding-top:12px;margin-top:4px}
.ctainline{background:var(--tint);border:1px solid var(--line);border-left:5px solid var(--amber);border-radius:12px;padding:20px 22px;margin:34px 0;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.ctainline p{font-weight:700;max-width:440px;margin:0}
.costblock{margin-top:44px}
.costgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:20px 0}
.costcard{background:var(--tint);border-radius:12px;padding:18px 20px}
.costcard h3{font-size:17px;margin:0 0 6px}
.costcard p{font-size:15px;color:var(--muted)}
.insurenote{background:#fff;border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:12px;padding:18px 22px;margin:20px 0}
.insurenote h3{font-size:18px;margin:0 0 8px}
.faqs{margin-top:46px}
.faq-item{border-top:1px solid var(--line);padding:18px 0}
.faq-item h3{font-size:19px;margin:0 0 8px}
.prepsec{background:var(--tint);border-radius:var(--radius);padding:30px;margin:44px 0 0}
.prepsec h2{margin:0 0 10px;font-size:27px}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}
.prepcard{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px}
.prepcard h3{font-size:17px;margin:0 0 6px}
.prepcard p{font-size:15px;color:var(--muted)}
.localnote{background:var(--tint);border-left:5px solid var(--blue);border-radius:12px;padding:24px 26px;margin:40px 0 0}
.localnote h2{margin:0 0 12px;font-size:24px}
.localnote .src{font-size:14px;color:var(--muted);font-style:italic;margin-top:12px}
.byline{font-size:14.5px;color:var(--muted);margin:0 0 22px}
.locmap{margin:30px 0 0}
.locmap iframe{width:100%;height:300px;border:0;border-radius:12px}
.bloglist{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;list-style:none}
.blogcard{display:block;height:100%;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:0 22px 22px;overflow:hidden;text-decoration:none;color:var(--navy)}
.blogcard:hover{border-color:var(--blue);box-shadow:0 8px 22px rgba(18,35,59,.08)}
.blogcard .pill{display:inline-block;background:var(--tint);color:var(--deep);font-size:12.5px;font-weight:700;padding:4px 12px;border-radius:100px;margin-bottom:10px}
.blogcard h2{font-size:19px;margin-bottom:8px}
.blogcard p{font-size:15px;color:var(--muted)}
.mapsec{background:var(--tint);padding:56px 0 0}
.mapsec h2{font-size:28px;margin:8px 0 8px}
.mapsec p.secp{color:var(--muted);max-width:720px;margin-bottom:20px}
.mapsec iframe{display:block;width:100%;height:380px;border:0}
.contactgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:24px 0}
.contactcard{background:var(--tint);border-radius:12px;padding:20px}
.contactcard h3{font-size:17px;margin:0 0 6px}
.contactcard p{font-size:15px}
.legal h2{font-size:23px;margin:30px 0 10px}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:42px;margin-bottom:12px}
.notfound p{max-width:520px;margin:0 auto 22px;color:var(--muted)}
/* footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 40px;font-size:15px}
.footgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.footer-h{font-family:var(--head);font-size:16px;margin-bottom:12px;color:var(--navy)}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--blue)}
.site-footer address{font-style:normal;color:var(--muted)}
.site-footer .footlogo{display:block;margin-bottom:12px}
.site-footer .footlogo img{width:236px;height:48px;display:block}
.site-footer a.tel{color:var(--blue);font-weight:700;font-size:17px}
.footlist{list-style:none}
.copyline{margin-top:34px;padding-top:18px;border-top:1px solid var(--line);color:var(--muted);font-size:14px}
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--deep);z-index:50;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:16px;text-decoration:none}
.callfloat{position:fixed;right:24px;bottom:24px;width:56px;height:56px;border-radius:50%;background:var(--amber);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 6px 18px rgba(18,35,59,.35);z-index:55}
.callfloat:hover{background:var(--amber-d)}
@media(max-width:1100px){.navlinks>li>a{padding:10px 8px;font-size:14px}.logo img{width:210px;height:43px}}
@media(max-width:900px){
.navtoggle{display:flex}
.navlinks{display:none;position:absolute;left:0;right:0;top:78px;background:#fff;border-top:1px solid var(--line);box-shadow:0 14px 24px rgba(18,35,59,.12);flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 18px;max-height:calc(100vh - 78px);overflow-y:auto}
.navlinks.open{display:flex}
.navlinks>li>a{padding:12px 0;font-size:16px;border-bottom:1px solid var(--line)}
.has-drop>a:after{display:none}
.dropmenu{display:block;position:static;border:0;box-shadow:none;padding:0 0 0 14px;min-width:0}
.dropmenu a{padding:9px 0;font-weight:500;border-bottom:0}
.navlinks .navcall{padding:14px 0 0}
.hero .hero-inner,.insurepanel,.twocol,.contactgrid{grid-template-columns:minmax(0,1fr)}
.cards,.why,.steps,.bloglist{grid-template-columns:1fr 1fr}
.steps:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.sidecard{position:static}
.footgrid{grid-template-columns:repeat(2,minmax(0,1fr))}

.stickybar{display:block}
body{padding-bottom:62px}
.callfloat{display:none}
}
@media(max-width:600px){
.wrap{padding:0 16px}
.topbar .wrap{justify-content:center;text-align:center}
.cards,.why,.steps,.bloglist,.costgrid,.prepcards,.footgrid{grid-template-columns:minmax(0,1fr)}
.areas{grid-template-columns:1fr 1fr}
.sec{padding:52px 0}
.sec h2.sech{font-size:28px}
.ctaband h2{font-size:30px}
.hero{padding:44px 0}
.logo img{width:196px;height:40px}
.prose h2{font-size:25px}
}

.hamburger{flex-shrink:0}
.nav-menu{margin:0}
.sticky-bar{backdrop-filter:none}

.blogcard .thumb{display:block;width:calc(100% + 44px);max-width:none;height:auto;aspect-ratio:16/9;object-fit:cover;margin:0 -22px 16px;background:var(--tint)}