:root{--navy:#12203A;--navy2:#1B2E4B;--amber:#E3A23C;--amber-d:#C4832A;--cream:#F7F5F0;--line:#E7E2D6;--ink:#20242E;--muted:#5C5F68;--white:#fff;--r:14px;--gap:24px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Work Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;font-size:17px;color:var(--ink);background:var(--white);line-height:1.65}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,'Times New Roman',serif;letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
img{max-width:100%;height:auto}
a{color:var(--navy2)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:8px;top:8px}
.i{vertical-align:-3px;flex:none}
.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:14px 26px;text-decoration:none;border-radius:100px;box-shadow:0 10px 22px rgba(227,162,60,.35);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--amber-d)}
.btn.alt{background:var(--navy2);color:#fff;box-shadow:none}
.btn.alt:hover{background:var(--navy)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.sm{font-size:14px;padding:11px 20px}
.topbar{background:var(--navy);color:#C7CFE0;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}
header.site{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;flex:none}
.logo img{display:block;width:216px;height:auto}
.navlinks{display:flex;align-items:center;gap:6px}
.navlinks>li{list-style:none;position:relative}
.navlinks>li>a{display:block;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:10px 12px}
.navlinks>li>a:hover{color:var(--navy2);text-decoration:underline}
.dropmenu{display:none;position:absolute;left:0;top:100%;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 30px rgba(18,32,58,.14);min-width:260px;padding:8px;list-style:none;z-index:80}
.navlinks>li:hover>.dropmenu,.navlinks>li:focus-within>.dropmenu{display:block}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:14.5px;font-weight:500}
.dropmenu a:hover{background:var(--cream)}
.nav-right{display:flex;align-items:center;gap:10px}
.menu-btn{display:none;background:#fff;border:2px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;color:var(--navy)}
.menu-btn svg{display:block;margin:auto}
.hamburger{line-height:0}
.mob-drawer{overscroll-behavior:contain}
.sticky-cta{backdrop-filter:none}
.mobmenu{display:none;background:#fff;border-top:1px solid var(--line);position:absolute;left:0;right:0;top:100%;box-shadow:0 20px 30px rgba(18,32,58,.18);max-height:calc(100vh - 140px);overflow:auto}
.mobmenu.open{display:block}
header.site .mobmenu .wrap{display:block;height:auto;padding-top:12px;padding-bottom:20px}
.mobmenu h2{font-family:'Work Sans',sans-serif;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:14px 0 4px}
.mobmenu ul{list-style:none}
.mobmenu a{display:block;padding:10px 0;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--cream);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(--amber)}
.badge.alt{background:var(--amber);color:var(--navy)}
.badge.alt:before{background:var(--navy)}
.hero{background:#fff;padding:60px 0;position:relative;isolation:isolate}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1{font-size:clamp(32px,4.2vw,44px);margin-bottom:16px}
.hero h1 span{color:var(--navy2)}
.hero .lead{color:var(--muted);font-size:17px;max-width:560px;margin-bottom:24px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:20px}
.trustrow{display:flex;gap:8px 18px;flex-wrap:wrap;color:var(--muted);font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--navy2)}
.statpanel{background:var(--navy);color:#fff;border-radius:var(--r);padding:28px}
.statpanel h2{font-size:15px;color:#C7CFE0;font-family:'Work Sans',sans-serif;font-weight:600;margin-bottom:12px}
.strow{display:flex;justify-content:space-between;gap:14px;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(--amber);font-family:'Fraunces',Georgia,serif;font-size:16px;text-align:right}
.pagehead{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:44px 0 46px;position:relative;isolation:isolate;overflow:hidden}
.pagehead h1{color:#fff;font-size:clamp(30px,3.8vw,40px);max-width:900px;margin-bottom:12px}
.pagehead .sub{color:#DCE2EE;font-size:18px;max-width:780px;margin-bottom:22px}
.pagehead .hero-bg,.hero .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.pagehead.has-hero:before,.hero.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(18,32,58,.82),rgba(27,46,75,.58));z-index:-1}
.hero.has-hero h1,.hero.has-hero .lead,.hero.has-hero .trustrow{color:#fff}
.hero.has-hero h1 span{color:var(--amber)}
.hero.has-hero .trustrow li:before{color:var(--amber)}
.crumbs{font-size:13.5px;color:#C7CFE0;margin-bottom:14px}
.crumbs a{color:#fff}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 20px}
.zip-chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.4);color:#fff;font-weight:700;font-size:14px;padding:5px 14px;border-radius:100px}
.strip{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:16px 24px;flex-wrap:wrap;gap:10px 20px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .i{color:var(--navy2)}
.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;color:var(--navy)}
.emergency p{font-size:14.5px}
.emergency .btn{background:var(--navy);color:#fff;box-shadow:none}
.sec{padding:68px 0;background:#fff}
.sec.alt-bg{background:var(--cream)}
.kick{color:var(--navy);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.big{font-size:34px;margin:8px 0 28px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.prose{min-width:0}
.prose,footer.site,.sidecard,.callband{overflow-wrap:anywhere}
.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 p+p{margin-top:14px}
main p+p{margin-top:14px}
.prose h2+p,.prose h3+p{margin-top:14px}
.prose ul{margin:14px 0 0 22px}
.prose li{margin-bottom:6px}
.prose a{color:var(--navy2);font-weight:600}
.tablewrap{overflow-x:auto;margin:18px 0;border:1px solid var(--line);border-radius:12px}
.tablewrap table{border-collapse:collapse;width:100%;min-width:520px;font-size:15px}
.tablewrap th{background:var(--navy);color:#fff;text-align:left;padding:12px 16px;font-size:13px;letter-spacing:.04em;text-transform:uppercase}
.tablewrap td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top}
.tablewrap tr:nth-child(even) td{background:var(--cream)}
.cardgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin:18px 0}
.mini{background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:18px}
.mini h3{font-size:16.5px;margin:0 0 6px}
.mini p{font-size:15px;color:var(--ink);margin:0}
.mini p+p{margin-top:8px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.card .ic{width:50px;height:50px;background:var(--cream);color:var(--navy2);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.card h3,.card h2{font-size:19px;margin-bottom:8px}
.card h2 a,.card h3 a{color:var(--ink);text-decoration:none}
.card h3 a:hover{text-decoration:underline}
.card p{font-size:15px;color:var(--muted)}
.card .tag{display:inline-block;font-size:12px;font-weight:700;color:var(--navy);background:var(--cream);border-radius:100px;padding:3px 10px;margin-bottom:8px}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.step .n{width:44px;height:44px;border-radius:50%;background:var(--amber);color:var(--navy);font-family:'Fraunces',Georgia,serif;font-weight:700;font-size:19px;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.step h3{font-size:17px;margin-bottom:6px}
.step p{font-size:15px;color:var(--muted)}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--navy);color:#fff;border-radius:var(--r);padding:26px}
.sidecard .kick{color:var(--amber)}
.sidecard h3{color:#fff;font-size:21px;margin:8px 0 8px}
.sidecard p{color:#DCE2EE;font-size:15px;margin-bottom:16px}
.sidecard ul{list-style:none;margin:18px 0 14px}
.sidecard li{font-size:14.5px;padding:7px 0 7px 26px;position:relative;border-top:1px solid rgba(255,255,255,.16)}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--amber);font-weight:700}
.sidecard .btn{width:100%}
.sidecard .rel{font-size:14px;color:#DCE2EE;margin:0}
.sidecard .rel a{color:#fff;font-weight:700}
.callband{background:var(--cream);border:1px solid var(--line);border-left:5px solid var(--amber);border-radius:12px;padding:20px 22px;margin:34px 0;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.callband p{margin:0;font-weight:600;max-width:420px}
.callband p+p{margin:0}
.localnote{background:var(--cream);border:1px solid var(--line);border-radius:var(--r);padding:24px 26px;margin:40px 0}
.localnote h2{margin-top:0!important}
.faqs{margin-top:44px}
.faqs h2{margin:0 0 14px!important}
details{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff}
summary{cursor:pointer;font-weight:700;padding:16px 18px;list-style:none;position:relative;padding-right:44px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:18px;top:12px;font-size:24px;color:var(--navy2)}
details[open] summary:after{content:"\2212"}
details .ans{padding:0 18px 16px}
details .ans p+p{margin-top:10px}
.faqclose{margin-top:22px}
.locmap{margin-top:34px}
.locmap h2{margin:0 0 12px!important}
.mapframe{width:100%;height:340px;border:0;border-radius:12px;display:block}
.mapsec{background:var(--cream);padding:48px 0;border-top:1px solid var(--line)}
.mapsec h2{font-size:26px;margin-bottom:14px}
.ctaband{background:var(--navy);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{color:#fff;font-size:36px;margin-bottom:8px}
.ctaband p{font-size:17px;color:#C7CFE0;margin:0 auto 22px;max-width:640px}
.insurepanel{background:var(--navy);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:15px;color:#C7CFE0;max-width:640px}
.blogcards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.bcard{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;display:flex;flex-direction:column}
.bcard .bimg{display:block;aspect-ratio:16/9;background:var(--navy)}
.bcard .bimg img{width:100%;height:100%;object-fit:cover;display:block}
.bcard .bh{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:12px 20px;min-height:0;display:flex;align-items:flex-end}
.bcard .bh span{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#F3D9A8}
.bcard .bb{padding:18px 20px 22px}
.bcard h3,.bcard h2{font-size:18px;margin-bottom:8px}
.bcard h2 a,.bcard h3 a{color:var(--ink);text-decoration:none}
.bcard h3 a:hover{text-decoration:underline}
.bcard p{font-size:15px;color:var(--muted)}
.byline{font-size:14px;color:#DCE2EE;margin-bottom:14px}
footer.site{background:#fff;border-top:1px solid var(--line);padding:50px 0 40px;font-size:14.5px}
footer.site .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
footer.site .fh{font-family:'Fraunces',Georgia,serif;font-size:16px;margin-bottom:12px;color:var(--ink)}
footer.site a{color:var(--muted);text-decoration:none;display:block;margin-bottom:7px}
footer.site a:hover{color:var(--navy2);text-decoration:underline}
footer.site p{color:var(--muted);margin-bottom:8px}
footer.site .flogo{width:210px;height:auto;margin-bottom:12px;display:block}
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);z-index:90;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:15px;text-decoration:none}
.floatcall{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;box-shadow:0 10px 24px rgba(18,32,58,.35);z-index:85;text-decoration:none}
.floatcall:hover{background:var(--amber-d)}
@media(max-width:900px){
 body{padding-bottom:62px}
 .stickybar{display:block}
 .floatcall{display:none}
 .navlinks,.nav-right .btn{display:none}
 .menu-btn{display:block}
 .logo img{width:176px}
 header.site .wrap{height:68px}
 .hero .wrap,.insurepanel{grid-template-columns:1fr}
 .twocol{grid-template-columns:minmax(0,1fr)}
 .cards,.blogcards{grid-template-columns:1fr 1fr}
 .steps{grid-template-columns:1fr 1fr}
 .sidecard{position:static}
 footer.site .wrap{grid-template-columns:1fr 1fr}
 .sec{padding:48px 0}
 .prose h2{font-size:25px}
 .sec h2.big{font-size:28px}
 .ctaband h2{font-size:28px}
}
@media(max-width:600px){
 .cards,.blogcards,.steps{grid-template-columns:1fr}
 footer.site .wrap{grid-template-columns:minmax(0,1fr)}
 .wrap{padding:0 16px}
 .topbar .wrap{justify-content:center;text-align:center}
 .logo img{width:160px}
}