:root{
  --navy:#0D1B2A;--navy2:#13293D;--navy3:#0F4C5C;
  --teal:#39D6C4;--teal-dk:#20B0A0;--link:#0A6B61;
  --ink:#12181F;--muted:#4A5661;--tint:#F0FBFA;--line:#DCEBE9;--white:#fff;
  --font-head:'Space Grotesk','Inter',system-ui,sans-serif;--font-body:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
  --radius:14px;--shadow:0 10px 24px rgba(13,27,42,.08);--shadow-lg:0 18px 40px rgba(13,27,42,.12);--trans:.2s ease;
  --container:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);font-size:17px;line-height:1.7;color:var(--ink);background:#fff}
img,svg{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.18;color:var(--ink)}
h1{font-size:clamp(1.9rem,4.4vw,2.9rem)}
h2{font-size:clamp(1.45rem,3vw,2.1rem)}
h3{font-size:clamp(1.1rem,2vw,1.35rem)}
a{color:var(--link)}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:10000}
.skip:focus{left:8px;top:8px}
.wrap{max-width:var(--container);margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--teal);color:var(--navy);font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:100px;box-shadow:0 10px 22px rgba(57,214,196,.35);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--teal-dk);color:var(--navy)}
.btn.alt{background:var(--navy);color:#fff;box-shadow:none}
.btn.alt:hover{background:var(--navy2);color:#fff}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--tint);color:var(--ink)}
.btn.small{font-size:14px;padding:11px 20px}
.btn.block{display:flex;width:100%}

/* topbar */
.topbar{background:var(--navy2);color:#C3D2DD;font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;align-items:center}
.topbar a{color:var(--teal);font-weight:700;text-decoration:none}
.topbar a:hover{color:#fff}

/* nav */
.site-nav{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:0 1 auto;min-width:0;display:block}
.logo img{height:48px;width:auto}
.nav-links{display:flex;align-items:center;gap:22px;list-style:none}
.nav-links>li>a{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;white-space:nowrap}
.nav-links>li>a:hover{color:var(--link)}
.nav-links>li>a.btn{color:var(--navy);font-size:14px;padding:11px 20px}
.has-dropdown{position:relative}
.dropmenu{position:absolute;top:100%;left:-14px;min-width:270px;padding:8px 0;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity var(--trans),visibility var(--trans),transform var(--trans);z-index:1000}
.has-dropdown:hover .dropmenu,.has-dropdown:focus-within .dropmenu{opacity:1;visibility:visible;transform:translateY(0)}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 18px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14px;white-space:nowrap}
.dropmenu a:hover{background:var(--tint);color:var(--link)}
.dd-arrow{font-size:11px;margin-left:3px}
.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(--navy);border-radius:2px;transition:transform var(--trans),opacity var(--trans)}
.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,86vw);background:#fff;z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:22px;visibility:hidden}
.mob-drawer.open{transform:translateX(0);visibility:visible}
.drawer-close{position:absolute;top:10px;right:12px;width:44px;height:44px;background:none;border:0;font-size:22px;cursor:pointer;color:var(--navy)}
.mob-drawer ul{list-style:none;margin:44px 0 0}
.mob-drawer li 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)}
.mob-drawer li.drawer-sub a{padding-left:16px;font-weight:500;font-size:15.5px}
.mob-overlay{position:fixed;inset:0;background:rgba(13,27,42,.55);z-index:9998;opacity:0;visibility:hidden;transition:opacity var(--trans),visibility var(--trans)}
.mob-overlay.visible{opacity:1;visibility:visible}

/* hero / pagehead */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 55%,var(--navy3) 100%);overflow:hidden}
.hero:after,.pagehead:after{content:"";position:absolute;right:-140px;top:-160px;width:520px;height:520px;border-radius:50%;border:2px solid rgba(57,214,196,.28);z-index:-1}
.hero.has-hero:before,.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(13,27,42,.88),rgba(13,27,42,.62));z-index:-1}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero{padding:70px 0}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.pagehead{padding:46px 0 52px}
.pagehead.loc{background:linear-gradient(135deg,#0F4C5C 0%,var(--navy2) 60%,var(--navy) 100%)}
.hero h1,.pagehead h1{color:#fff;margin-bottom:16px}
.hero h1 span{color:var(--teal)}
.hero p.lead,.pagehead p.lead{color:#D5E3EC;font-size:18px;max-width:640px;margin-bottom:24px}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--teal);color:var(--navy);font-weight:700;font-size:13px;padding:7px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--navy)}
.badge.badge-alt{background:#fff;color:var(--navy)}
.badge.badge-alt:before{background:#C0392B}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 22px;flex-wrap:wrap;color:#C3D2DD;font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--teal)}
.crumbs{font-size:13.5px;color:#B5C7D3;margin-bottom:16px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"/";margin-right:6px;color:#7F97A8}
.crumbs a{color:#DCEBE9}
.crumbs a:hover{color:#fff}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 22px;list-style:none}
.zip-chip{background:rgba(255,255,255,.14);border:1px solid rgba(57,214,196,.5);color:#fff;font-weight:700;font-size:13.5px;padding:5px 13px;border-radius:100px}
.statpanel{background:rgba(19,41,61,.92);border:1px solid rgba(57,214,196,.3);color:#fff;border-radius:var(--radius);padding:28px}
.statpanel h2{font-size:15px;color:#B5C7D3;font-weight:600;margin-bottom:14px;font-family:var(--font-body)}
.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:none}
.strow b{color:var(--teal);font-family:var(--font-head);font-size:16px;text-align:right}

/* strips and bands */
.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 18px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{width:26px;height:26px;border-radius:50%;background:var(--navy);color:var(--teal);display:inline-flex;align-items:center;justify-content:center;font-size:13px}
.emergency{background:var(--teal);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;color:var(--navy)}
.emergency p{font-size:15px}
.emergency .btn{background:var(--navy2);color:#fff}
.ctaband{background:var(--navy2);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{color:#fff;font-size:clamp(1.7rem,4vw,2.5rem);margin-bottom:8px}
.ctaband p{font-size:17px;color:#C3D2DD;margin:0 auto 24px;max-width:680px}

/* sections */
.sec{padding:64px 0;background:#fff}
.sec.tint{background:var(--tint)}
.kick{color:var(--link);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec>.wrap>h2{margin:10px 0 28px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--navy2);color:#fff;border-radius:16px;padding:26px;box-shadow:var(--shadow-lg)}
.sidecard .kick{color:var(--teal);display:block;margin-bottom:8px}
.sidecard h3{color:#fff;font-size:20px;margin-bottom:8px}
.sidecard p{color:#C3D2DD;font-size:15px;margin-bottom:16px}
.sidecard ul{list-style:none;margin:18px 0}
.sidecard li{font-size:14.5px;color:#fff;padding:7px 0 7px 26px;position:relative;border-top:1px solid rgba(255,255,255,.14)}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--teal);font-weight:700}
.sidecard .sidelink{font-size:14.5px;color:#C3D2DD}
.sidecard .sidelink a{color:var(--teal);font-weight:700}
article{min-width:0}
article h2{margin:42px 0 14px;scroll-margin-top:24px}
article>h2:first-child{margin-top:0}
article h3{margin:28px 0 10px}
main p+p{margin-top:14px}
article p,article li{max-width:72ch}
article ul,article ol{margin:14px 0 14px 22px}
article li{margin-top:6px}
.sec p+.table-wrap,.table-wrap{margin-top:18px}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px}
table.cmp{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}
table.cmp caption{caption-side:top;text-align:left;font-weight:700;padding:14px 18px;background:var(--navy2);color:#fff;font-family:var(--font-head)}
table.cmp th{background:var(--tint);text-align:left;padding:12px 18px;font-size:13px;text-transform:uppercase;letter-spacing:.04em;color:var(--navy);border-bottom:1px solid var(--line)}
table.cmp td{padding:13px 18px;border-bottom:1px solid var(--line);vertical-align:top}
table.cmp tr:last-child td{border-bottom:0}
table.cmp td:first-child{font-weight:700;color:var(--navy)}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:22px 0}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.card h3{margin:0 0 8px;font-size:18px}
.card p{font-size:15px;color:var(--muted)}
.card p+p{margin-top:10px}
.card a.more{font-weight:700;font-size:14.5px;text-decoration:none;display:inline-block;margin-top:10px}
.card .ic{width:48px;height:48px;background:var(--tint);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px;color:var(--navy);font-weight:800;font-family:var(--font-head)}
.cards.prep .card{border-top:4px solid var(--teal)}
.cards.why .card{background:var(--tint);text-align:center}
.cards.why .card .ic{margin:0 auto 14px;background:var(--navy);color:#fff;border-radius:50%}
.steps{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin:24px 0;counter-reset:st}
.steps li{position:relative;text-align:center;padding:0 8px;margin:0;max-width:none}
.steps li:before{counter-increment:st;content:counter(st);width:58px;height:58px;border-radius:50%;background:var(--teal);color:var(--navy);font-family:var(--font-head);font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.steps h3{margin:0 0 6px;font-size:17px}
.steps p{font-size:14.5px;color:var(--muted)}
.steps.vert{grid-template-columns:1fr}
.steps.vert li{text-align:left;padding-left:76px;min-height:64px}
.steps.vert li:before{position:absolute;left:0;top:0;margin:0;width:54px;height:54px}
.callout-card,.insight-card,.localnote{border-radius:16px;padding:28px 32px;margin:26px 0;position:relative}
.callout-card{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);overflow:hidden}
.callout-card:before{content:"";position:absolute;top:0;left:0;bottom:0;width:6px;background:linear-gradient(180deg,var(--teal),var(--navy3))}
.insight-card{background:var(--tint);border:1px solid var(--line)}
.insight-card:before{content:"";position:absolute;top:20px;bottom:20px;left:0;width:5px;border-radius:0 4px 4px 0;background:var(--navy3)}
.localnote{background:var(--navy2);color:#fff}
.localnote h2,.localnote h3{color:#fff;margin:0 0 12px}
.localnote p{color:#E3EDF3}
.localnote a{color:var(--teal)}
.callout-card h3,.insight-card h3{margin:0 0 10px;font-size:19px}
.icon-list{list-style:none;margin:12px 0 0!important;padding:0;display:grid;gap:12px}
.icon-list li{display:flex;gap:12px;align-items:flex-start;margin:0}
.icon-list .ico{flex:none;width:26px;height:26px;border-radius:50%;background:var(--teal);color:var(--navy);display:inline-flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;margin-top:2px}
.midcta{background:var(--navy2);color:#fff;border-radius:16px;padding:28px 32px;margin:34px 0;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.midcta h3{color:#fff;margin:0 0 4px;font-size:20px}
.midcta p{color:#C3D2DD;font-size:15px;margin:0}
.midcta .btn{background:var(--teal);color:var(--navy)}

/* faq */
.faq{margin:18px 0}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff}
.faq-h{margin:0;font-size:inherit;font-family:inherit;line-height:inherit}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:16px 20px;font:600 17px/1.4 var(--font-body);color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq-q:after{content:"+";font-size:22px;color:var(--link);flex:none}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-a{max-height:1400px}
.faq-a .faq-in{padding:0 20px 18px}
.faq-a p{max-width:none}
.pricenote{font-size:14px;color:var(--muted);margin-top:14px;font-style:italic}

/* areas */
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:18px 0}
.areas a{background:var(--tint);padding:14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:15px;text-align:center;border:1px solid var(--line)}
.areas a:hover{background:#fff;color:var(--link)}
.map-sec{padding:50px 0 56px;background:#fff}
.map-sec h2{margin-bottom:8px}
.map-sec p{color:var(--muted);margin-bottom:18px;max-width:72ch}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line)}
.map-wrap.short{padding-bottom:56%}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.insurepanel{background:var(--navy2);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(--teal)}
.insurepanel p{font-size:15px;color:#C3D2DD;max-width:620px}
.insurepanel .btn{background:var(--teal)}
.bloglist{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.bloglist .card h2{font-size:19px;margin:0 0 8px}
.bloglist .card h2 a{color:var(--ink);text-decoration:none}
.bloglist .card h2 a:hover{color:var(--link)}
.byline{font-size:14px;color:#C3D2DD}

/* footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 40px;font-size:15px}
.site-footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.foot-h{font-size:16px;margin-bottom:12px;color:var(--ink)}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:8px}
.site-footer a:hover{color:var(--link);text-decoration:underline}
.site-footer .foot-brand img{height:44px;width:auto;margin-bottom:14px}
.site-footer p{color:var(--muted);margin-bottom:8px}
.site-footer address{font-style:normal;color:var(--muted);margin-bottom:8px}
.site-footer .foot-phone{font-weight:700;color:var(--navy);font-size:17px}
.copyright{border-top:1px solid var(--line);padding:18px 0;font-size:13.5px;color:var(--muted);text-align:center;background:#fff}

/* sticky call bar and floating button */
.sticky-bar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy2);z-index:50;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
.sticky-bar a{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--teal);font-weight:700;font-size:16px;text-decoration:none;min-height:44px}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--teal);color:var(--navy);display:flex;align-items:center;justify-content:center;box-shadow:0 10px 24px rgba(13,27,42,.3);z-index:40;text-decoration:none;font-size:24px;transition:opacity var(--trans)}
.floatcall.hide{opacity:0;pointer-events:none}
.legal h2{margin-top:30px}
.err404{text-align:center;padding:90px 0}

@media(max-width:1000px){.nav-links{gap:14px}.nav-links>li>a{font-size:13.5px}}
@media(max-width:900px){
  .hero .wrap,.insurepanel,.twocol{grid-template-columns:1fr}
  .cards,.steps{grid-template-columns:1fr 1fr}
  .areas{grid-template-columns:1fr 1fr}
  .site-footer .wrap{grid-template-columns:1fr 1fr}
  .sidecard{position:static}
  .map-wrap{padding-bottom:60%}
  .bloglist{grid-template-columns:1fr}
}
@media(max-width:768px){
  .nav-links{display:none}
  .hamburger{display:flex}
  .sticky-bar{display:block}
  body{padding-bottom:70px}
  .floatcall{display:none}
  .topbar .wrap{justify-content:center}
  .topbar .tb-area{display:none}
}
@media(max-width:600px){
  body{font-size:16.5px}
  .cards,.cards.two,.steps,.areas,.site-footer .wrap{grid-template-columns:1fr}
  .hero{padding:44px 0}
  .callout-card,.insight-card,.localnote{padding:22px 20px}
  .midcta{padding:22px 20px}
  .logo img{height:42px}
}

.cta-row.center{justify-content:center}
.faqclose{margin-top:18px;font-weight:600}
.site-footer .wrap>*{min-width:0}
.site-footer a,.site-footer p{overflow-wrap:anywhere}
main p,main li,main td{overflow-wrap:anywhere}
.card .thumb{display:block;margin:-24px -24px 16px;border-radius:var(--radius) var(--radius) 0 0;overflow:hidden;aspect-ratio:16/9;background:var(--tint)}
.card .thumb img{width:100%;height:100%;object-fit:cover;display:block}