:root{--navy:#12203A;--navy2:#1B2E4B;--amber:#E3A23C;--amber-d:#C4832A;--cream:#F7F5F0;--line:#E7E2D6;--ink:#20242E;--mute:#5C5F68;--soft:#C7CFE0;--wrap:1180px;--r:14px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Work Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:#fff;line-height:1.7;font-size:17px;-webkit-text-size-adjust:100%}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy2)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--navy);padding:10px 16px;z-index:200;font-weight:700}
.skip: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:14px 26px;text-decoration:none;border-radius:100px;box-shadow:0 10px 22px rgba(227,162,60,.3);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}
.btn.block{display:flex;width:100%}
.topbar{background:var(--navy);color:var(--soft);font-size:13.5px;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}
.sitenav{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.sitenav .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-family:'Fraunces',Georgia,serif;font-weight:700;font-size:19px;line-height:1.1;white-space:nowrap}
.logo svg,.logo-mark{width:42px;height:42px;flex:none}
.logo b{display:block;font-size:12px;letter-spacing:.28em;color:var(--navy2);font-family:'Work Sans',sans-serif;margin-top:3px}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a,.navlinks>li>button.navbtn{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:26px 12px;display:block;background:none;border:0;cursor:pointer;font-family:inherit}
.navlinks>li>a:hover,.navlinks>li>button.navbtn:hover{color:var(--navy2);background:var(--cream)}
.navlinks>li.navcall{padding-left:8px}
.navlinks>li.navcall>a{padding:11px 20px;color:var(--navy);background:var(--amber);border-radius:100px}
.navlinks>li.navcall>a:hover{background:var(--amber-d)}
.dropmenu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(18,32,58,.16);padding:18px;z-index:90;list-style:none}
.dropmenu.wide{width:760px;grid-template-columns:repeat(3,1fr);gap:18px 22px;left:-300px}
.has-drop:hover>.dropmenu,.has-drop:focus-within>.dropmenu{display:block}
.has-drop:hover>.dropmenu.wide,.has-drop:focus-within>.dropmenu.wide{display:grid}
.dropmenu h3{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute);font-family:'Work Sans',sans-serif;margin-bottom:6px}
.dropmenu ul{list-style:none}
.dropmenu a{display:block;color:var(--ink);text-decoration:none;font-size:14px;padding:5px 0;font-weight:500;line-height:1.35}
.dropmenu a:hover{color:var(--navy2);text-decoration:underline}
.dropmenu.narrow{min-width:230px}
.burger{display:none;background:var(--cream);border:1px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.burger span{display:block;width:22px;height:2px;background:var(--navy)}
.mobile-menu{display:none;background:#fff;border-top:1px solid var(--line);padding:8px 24px 22px;max-height:calc(100vh - 120px);overflow-y:auto}
.mobile-menu.open{display:block}
.mobile-menu a,.mobile-menu summary{display:block;color:var(--ink);text-decoration:none;font-weight:600;padding:13px 0;border-bottom:1px solid var(--line);font-size:16px;cursor:pointer;list-style:none}
.mobile-menu summary::-webkit-details-marker{display:none}
.mobile-menu details a{font-weight:500;padding:10px 0 10px 14px;font-size:15px}
.mobile-menu .mobgroup{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute);padding:12px 0 2px 14px;font-weight:700}
.crumbs{font-size:13.5px;margin-bottom:14px;color:var(--soft)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"/";margin-right:6px;opacity:.6}
.crumbs a{color:#fff}
.pagehead{position:relative;isolation:isolate;background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:54px 0 58px;overflow:hidden}
.pagehead h1,.pagehead .lead{color:#fff}
.pagehead h1{font-size:clamp(28px,3.8vw,40px);max-width:820px;margin-bottom:12px}
.pagehead .lead{font-size:18px;max-width:700px;color:#E4E9F3;margin-bottom:22px}
.pagehead .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.pagehead.has-hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(18,32,58,.9) 0%,rgba(18,32,58,.68) 50%,rgba(18,32,58,.3) 100%)}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--cream);color:var(--navy);font-weight:700;font-size:13px;padding:7px 15px;border-radius:100px;margin-bottom:16px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--amber)}
.badge.badge-alt{background:var(--amber);color:var(--navy)}
.badge.badge-alt:before{background:var(--navy)}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 20px}
.zip-chip{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.4);color:#fff;font-weight:700;font-size:14px;padding:5px 14px;border-radius:100px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap}
.hero{background:#fff;padding:64px 0;position:relative;isolation:isolate}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.hero h1{font-size:clamp(30px,4.4vw,46px);margin-bottom:16px}
.hero h1 span{color:var(--navy2)}
.hero p.lead{color:var(--mute);font-size:18px;max-width:520px;margin-bottom:12px}
.hero p.sub{color:var(--mute);font-size:16.5px;max-width:520px;margin-bottom:24px}
.hero.has-hero{color:#fff;background:var(--navy)}
.hero.has-hero h1,.hero.has-hero p.lead,.hero.has-hero p.sub{color:#fff}
.hero.has-hero h1 span{color:var(--amber)}
.hero.has-hero .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero.has-hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(18,32,58,.92) 0%,rgba(18,32,58,.72) 55%,rgba(18,32,58,.4) 100%)}
.hero.has-hero .btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.hero.has-hero .trustrow{color:#E4E9F3}
.hero.has-hero .trustrow span:before{color:var(--amber)}
.trustrow{display:flex;gap:8px 20px;flex-wrap:wrap;color:var(--mute);font-size:14px;font-weight:600;margin-top:22px}
.trustrow span: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:#fff;opacity:.75;margin-bottom:14px;font-family:'Work Sans',sans-serif;font-weight:600}
.strow{display:flex;justify-content:space-between;gap:16px;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:14.5px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--amber);font-family:'Fraunces',serif;font-size:17px;text-align:right}
.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:18px 24px;flex-wrap:wrap;gap:10px 24px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem svg{width:20px;height:20px;flex:none;fill:none;stroke:var(--navy2);stroke-width:2}
.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:72px 0;background:#fff}
.sec.alt{background:var(--cream)}
.kick{color:var(--navy);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.title{font-size:34px;margin:10px 0 30px}
.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 h3{font-size:18px;margin-bottom:8px}
.card p{font-size:14.5px;color:var(--mute);margin-bottom:12px;line-height:1.6}
.card a.more{color:var(--navy2);font-weight:700;font-size:14px;text-decoration:none}
.card .ic{width:50px;height:50px;background:var(--cream);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.card .ic svg{width:26px;height:26px;fill:none;stroke:var(--navy2);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--r);padding:24px;text-align:center}
.whycard .num{width:44px;height:44px;background:var(--navy2);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Fraunces',serif;font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;margin-bottom:6px}
.whycard p{font-size:14.5px;color:var(--mute);line-height:1.6}
.steps{display:grid;grid-template-columns:repeat(4,1fr);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:'Fraunces',serif;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:14.5px;color:var(--mute);line-height:1.6}
.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{font-size:24px;margin-bottom:8px;color:var(--amber)}
.insurepanel p{font-size:15.5px;color:var(--soft);max-width:560px}
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.areas a,.areas span{background:#fff;padding:14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;text-align:center;border:1px solid var(--line)}
.areas a:hover{background:var(--cream)}
.ctaband{background:var(--navy);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:38px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:17px;margin-bottom:24px;color:var(--soft)}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
main article h2{font-size:28px;margin:44px 0 14px}
main article>section:first-child h2,main article>h2:first-child{margin-top:0}
main p+p{margin-top:14px}
main h2+p,main h2+ul,main h2+ol,main h2+.tblwrap,main h2+.cardgrid,main h2+.callout{margin-top:14px}
main article p,main .prose p{max-width:74ch}
main article ul,main article ol,main .prose ul,main .prose ol{margin:14px 0 0 22px;max-width:74ch}
main article li,main .prose li{margin-top:7px}
main article p+ul,main article p+ol,main article ul+p,main article ol+p,main article p+.tblwrap,main article .tblwrap+p,main article p+.callout,main article .callout+p,main article p+.cardgrid,main article .cardgrid+p,main article ul+.tblwrap,main article .callout+h2{margin-top:16px}
main article a,main .prose a{font-weight:600}
ul.checks{list-style:none;margin-left:0!important}
ul.checks li{position:relative;padding-left:30px}
ul.checks li:before{content:"\2713";position:absolute;left:0;top:0;width:21px;height:21px;border-radius:50%;background:var(--navy2);color:#fff;font-size:12px;display:flex;align-items:center;justify-content:center;margin-top:5px}
.tblwrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);margin-top:16px}
.tblwrap table{border-collapse:collapse;width:100%;min-width:520px;font-size:15px}
.tblwrap th{background:var(--navy);color:#fff;text-align:left;padding:12px 16px;font-size:13px;text-transform:uppercase;letter-spacing:.04em}
.tblwrap td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top;line-height:1.55}
.tblwrap tbody tr:nth-child(even){background:var(--cream)}
.cardgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:14px;margin-top:16px}
.cardgrid .card{padding:20px}
.cardgrid .card h3{font-size:16.5px}
.cardgrid .card p{margin-bottom:0}
.callout{background:var(--cream);border-left:5px solid var(--amber);border-radius:0 var(--r) var(--r) 0;padding:20px 24px;margin-top:16px}
.callout h3{font-size:18px;margin-bottom:8px}
.callout p{font-size:16px}
.localnote{background:var(--cream);border:1px solid var(--line);border-radius:var(--r);padding:26px 28px;margin-top:44px}
.localnote h2{margin-top:0!important}
.prep{margin-top:44px}
.prep h2{margin-top:0!important}
.prepgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:14px;margin-top:16px}
.prepgrid .card{border-top:4px solid var(--amber)}
.prepgrid .card p{margin-bottom:0}
.callstrip{background:var(--navy);color:#fff;border-radius:var(--r);padding:22px 26px;margin-top:40px;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.callstrip p{font-family:'Fraunces',Georgia,serif;font-size:19px;color:#fff;max-width:none!important}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 12px 30px rgba(18,32,58,.08)}
.sidecard .kick{display:block;margin-bottom:6px;color:var(--amber-d)}
.sidecard h2,.sidecard h3{font-size:20px;margin-bottom:8px}
.sidecard p{font-size:15px;color:var(--mute);margin-bottom:16px;line-height:1.6}
.sidecard ul{list-style:none;margin:18px 0 0!important}
.sidecard li{font-size:14.5px;padding-left:26px;position:relative;margin-top:8px!important;font-weight:500}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--navy2);font-weight:700}
.sidecard .rel{display:block;margin-top:18px;padding-top:16px;border-top:1px solid var(--line);font-size:14.5px;font-weight:700}
.faq{margin-top:44px}
.faq h2{margin-top:0!important}
.faq details{border:1px solid var(--line);border-radius:12px;margin-top:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:16px 20px;list-style:none;font-size:16.5px;position:relative;padding-right:48px;line-height:1.45}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:20px;top:12px;font-size:24px;color:var(--navy2);font-weight:400}
.faq details[open] summary:after{content:"\2212"}
.faq .ans{padding:0 20px 18px}
.faq .ans p{font-size:16px}
.byline{display:flex;flex-wrap:wrap;gap:6px 18px;color:var(--soft);font-size:14px;margin-bottom:14px}
.pill{background:var(--amber);color:var(--navy);font-weight:700;font-size:12px;letter-spacing:.06em;text-transform:uppercase;padding:4px 12px;border-radius:100px}
.postgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px}
.postcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column}
.postcard img{width:100%;aspect-ratio:16/9;object-fit:cover}
.postcard div{padding:20px;display:flex;flex-direction:column;gap:8px;flex:1}
.postcard h2,.postcard h3{font-size:18px;line-height:1.3}
.postcard h3 a,.postcard h2 a{color:var(--ink);text-decoration:none}
.postcard h3 a:hover,.postcard h2 a:hover{text-decoration:underline}
.postcard p{font-size:14.5px;color:var(--mute);line-height:1.6}
.postcard .pill{align-self:flex-start}
.svcgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px}
.mapwrap{background:var(--cream);padding:44px 0;border-top:1px solid var(--line)}
.mapwrap h2{font-size:24px;margin-bottom:6px}
.mapwrap p{color:var(--mute);margin-bottom:16px;font-size:15.5px}
.mapwrap iframe{width:100%;height:380px;border:0;border-radius:var(--r);background:#fff}
.mapwrap.second{padding-top:0;border-top:0}
.mapwrap.second iframe{height:320px}
footer.sitefoot{background:#fff;border-top:1px solid var(--line);padding:54px 0 40px;font-size:14.5px}
footer.sitefoot .wrap{display:grid;grid-template-columns:1.5fr 1.4fr 1.4fr 1fr;gap:34px}
footer.sitefoot h2{font-size:16px;margin-bottom:12px;color:var(--ink)}
footer.sitefoot h3{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute);font-family:'Work Sans',sans-serif;margin:14px 0 4px}
footer.sitefoot a{color:var(--mute);text-decoration:none;display:block;margin-bottom:6px;line-height:1.4}
footer.sitefoot a:hover{color:var(--navy2);text-decoration:underline}
footer.sitefoot p{color:var(--mute);margin-bottom:8px;line-height:1.6}
footer.sitefoot .flogo{display:flex;align-items:center;gap:10px;margin-bottom:14px;color:var(--navy);font-family:'Fraunces',serif;font-weight:700;font-size:18px;text-decoration:none}
footer.sitefoot .flogo svg{width:38px;height:38px}
.footbar{background:var(--navy);color:var(--soft);font-size:13px;padding:14px 0;text-align:center}
.footbar a{color:var(--soft);display:inline;margin:0 8px}
.sticky-bar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);z-index:80;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.sticky-bar a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:15.5px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--amber);display:flex;align-items:center;justify-content:center;z-index:80;box-shadow:0 10px 24px rgba(18,32,58,.3)}
.floatcall svg{width:26px;height:26px;fill:var(--navy)}
.floatcall:hover{background:var(--amber-d)}
.legal h2{font-size:24px;margin:34px 0 10px}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:44px;margin-bottom:12px}
@media(max-width:1100px){.dropmenu.wide{width:620px;left:-200px}.navlinks>li>a,.navlinks>li>button.navbtn{padding:26px 8px;font-size:14px}}
@media(max-width:900px){
.navlinks{display:none}.burger{display:flex}
.hero .wrap,.insurepanel{grid-template-columns:minmax(0,1fr)}.twocol{grid-template-columns:minmax(0,1fr)}
.cards,.why,.steps,.postgrid{grid-template-columns:1fr 1fr}
.steps:before{display:none}.steps{gap:26px 0}
.sidecard{position:static;order:2}
.twocol{gap:32px}
.hero h1{font-size:34px}.pagehead h1{font-size:32px}
footer.sitefoot .wrap{grid-template-columns:1fr 1fr}
.areas{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){.sticky-bar{display:block}.floatcall{display:none}body{padding-bottom:64px}}
@media(max-width:600px){
.cards,.why,.steps,.postgrid{grid-template-columns:1fr}
.wrap{padding:0 16px}
.sec{padding:52px 0}.sec h2.title{font-size:28px}
.hero{padding:44px 0}.hero h1{font-size:30px}
.pagehead{padding:40px 0 44px}.pagehead h1{font-size:28px}
main article h2{font-size:24px}
footer.sitefoot .wrap{grid-template-columns:1fr}
.logo{font-size:16px}.logo svg{width:36px;height:36px}
.topbar .wrap{justify-content:center;text-align:center}
.ctaband h2{font-size:30px}
.callstrip{padding:18px}
.areas{grid-template-columns:1fr}
}

.twocol>article{min-width:0}
footer.sitefoot a,footer.sitefoot p,.prose p,main p{overflow-wrap:anywhere}
.navlinks>li.navcall>a{display:inline-flex;align-items:center;gap:6px}
.pagehead .lead,.pagehead h1{text-shadow:0 1px 14px rgba(18,32,58,.5)}
.pi{flex:none}