:root{
  --ink:#1E2A33;--ink-soft:#4A545C;--slate:#4F6E85;--slate-deep:#41627A;--slate-night:#2B4558;
  --copper:#B2532A;--copper-deep:#8F4220;--copper-soft:#F3D3C2;
  --ice:#EFF4F7;--line:#DCE5EA;--white:#fff;--topbar-ink:#E3EBEF;
  --font-body:'Source Sans 3',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
  --font-head:'Sora','Source Sans 3',system-ui,Arial,sans-serif;
  --radius:12px;--wrap:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);font-size:17px;line-height:1.65;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)}
a{color:var(--slate-deep)}
a:hover{color:var(--copper-deep)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--white);color:var(--ink);padding:10px 16px;z-index:200}
.skip:focus{left:8px;top:8px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--copper);color:#fff;font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:8px;box-shadow:0 10px 22px rgba(178,83,42,.28);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--copper-deep);color:#fff}
.btn.alt{background:var(--slate);box-shadow:0 10px 22px rgba(79,110,133,.28)}
.btn.alt:hover{background:var(--slate-deep);color:#fff}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--ice);color:var(--ink)}
.btn.sm{font-size:14px;padding:10px 18px}
.btn.on-dark{background:#fff;color:var(--slate-night);box-shadow:none}
.btn.on-dark:hover{background:var(--copper-soft);color:var(--slate-night)}

/* topbar and nav */
.topbar{background:var(--slate-deep);color:var(--topbar-ink);font-size:14px;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar a:hover{color:var(--copper-soft)}
.siteheader{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.siteheader .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;font-family:var(--font-head);font-weight:800;font-size:19px;color:var(--ink);text-decoration:none;white-space:nowrap}
.logo:hover{color:var(--ink)}
.logo-mark{width:38px;height:38px;flex:none}
.logo-text span{color:var(--slate)}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a,.navlinks>li>button.navbtn{display:inline-flex;align-items:center;gap:5px;color:var(--ink);text-decoration:none;font:600 15px/1 var(--font-body);padding:12px 12px;background:none;border:0;cursor:pointer}
.navlinks>li>a:hover,.navlinks>li>button.navbtn:hover{color:var(--copper-deep)}
.navlinks .caret{font-size:10px}
.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 18px 38px rgba(30,42,51,.14);padding:8px;list-style:none;z-index:90}
.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-weight:600;font-size:14.5px}
.dropmenu a:hover{background:var(--ice);color:var(--copper-deep)}
.dropmenu .dm-label{display:block;padding:8px 12px 2px;font-size:11.5px;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-soft);font-weight:700}
.dropmenu .dm-all a{color:var(--copper-deep);border-top:1px solid var(--line);border-radius:0 0 8px 8px;margin-top:4px}
.nav-toggle{display:none;background:#fff;border:2px solid var(--line);border-radius:8px;width:46px;height:44px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--ink);border-radius:2px}
.mobile-menu{display:none;background:#fff;border-top:1px solid var(--line);padding:12px 24px 20px;max-height:calc(100vh - 78px);overflow-y:auto}
.mobile-menu.open{display:block}
.mobile-menu ul{list-style:none}
.mobile-menu li a{display:block;padding:11px 0;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.mobile-menu .mm-label{display:block;margin-top:14px;font-size:12px;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-soft);font-weight:700}
.mobile-menu .btn{margin-top:16px;width:100%}

/* page heads */
.pagehead{position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(135deg,#2B4558 0%,#41627A 62%,#4F6E85 100%);color:#fff;padding:54px 0 50px}
.pagehead:before{content:"";position:absolute;inset:0;z-index:-1;background:radial-gradient(900px 300px at 85% 0%,rgba(178,83,42,.28),transparent 70%)}
.pagehead.has-hero:before{background:linear-gradient(95deg,rgba(24,40,52,.9) 0%,rgba(30,52,68,.78) 55%,rgba(30,52,68,.55) 100%)}
.pagehead .hero-bg{position:absolute;inset:0;z-index:-2;width:100%;height:100%;object-fit:cover}
.pagehead h1{color:#fff;font-size:clamp(28px,4.2vw,42px);max-width:860px;margin-bottom:14px}
.pagehead .dek{font-size:18px;max-width:760px;color:#EAF0F3;margin-bottom:22px}
.pagehead .kicker{display:inline-block;font:700 13px/1 var(--font-head);letter-spacing:.1em;text-transform:uppercase;color:var(--copper-soft);margin-bottom:12px}
.crumbs{font-size:14px;margin-bottom:18px;color:#DCE5EA}
.crumbs a{color:#fff;text-decoration:none}
.crumbs a:hover{text-decoration:underline;color:#fff}
.crumbs span.sep{margin:0 7px;opacity:.7}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--ice);color:var(--slate-night);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(--copper)}
.badge-alt{background:#fff;color:var(--copper-deep);border:2px solid var(--copper)}
.badge-alt:before{background:var(--copper)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.zips{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}
.zip-chip{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.55);color:#fff;font-weight:700;font-size:14px;padding:6px 14px;border-radius:100px}
.zip-chip.primary{background:#fff;color:var(--slate-night)}
.zips-label{font-size:13px;color:#DCE5EA;align-self:center;font-weight:600}

/* home hero */
.hero{position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(135deg,#2B4558 0%,#41627A 62%,#4F6E85 100%);color:#fff;padding:70px 0 66px}
.hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(95deg,rgba(24,40,52,.88) 0%,rgba(30,52,68,.74) 58%,rgba(30,52,68,.5) 100%)}
.hero .hero-bg{position:absolute;inset:0;z-index:-2;width:100%;height:100%;object-fit:cover}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1{color:#fff;font-size:clamp(30px,4.4vw,44px);line-height:1.12;margin-bottom:16px}
.hero h1 span{color:var(--copper-soft)}
.hero .lede{font-size:18px;color:#EAF0F3;max-width:560px;margin-bottom:24px}
.trustrow{display:flex;gap:10px 22px;flex-wrap:wrap;color:#EAF0F3;font-size:14.5px;font-weight:600;margin-top:22px;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--copper-soft)}
.statpanel{background:rgba(24,40,52,.72);border:1px solid rgba(255,255,255,.22);color:#fff;border-radius:14px;padding:26px 28px}
.statpanel h2{font-size:15px;color:#DCE5EA;margin-bottom:12px;text-transform:uppercase;letter-spacing:.08em}
.strow{display:flex;justify-content:space-between;gap:16px;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(--copper-soft);font-family:var(--font-head);font-size:15px;text-align:right}

/* strips and bands */
.strip{background:var(--ice);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip ul{display:flex;justify-content:space-between;padding:16px 24px;flex-wrap:wrap;gap:10px 18px;list-style:none;max-width:var(--wrap);margin:0 auto}
.strip li{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14.5px}
.strip li:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--slate)}
.emergency{background:var(--copper-deep);color:#fff;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:#fff}
.emergency p{font-size:15px;color:#FBEDE5}

/* sections */
.sec{padding:70px 0;background:#fff}
.sec.tint{background:var(--ice)}
.kick{color:var(--slate-deep);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.big{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:14px;padding:26px}
.card .ic{width:50px;height:50px;background:var(--ice);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px;color:var(--slate-deep)}
.card .ic svg{width:26px;height:26px}
.card h3{font-size:18px;margin-bottom:8px}
.card p{font-size:15px;color:var(--ink-soft);margin-bottom:12px}
.card a.more{color:var(--slate-deep);font-weight:700;font-size:15px}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:14px;padding:24px;border:1px solid var(--line)}
.whycard .num{width:42px;height:42px;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-bottom:12px}
.whycard h3{font-size:17px;margin-bottom:6px}
.whycard p{font-size:15px;color:var(--ink-soft)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;list-style:none}
.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(--copper);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{font-size:17px;margin-bottom:6px}
.step p{font-size:15px;color:var(--ink-soft)}
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.areas a{background:#fff;border:1px solid var(--line);padding:14px 16px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:15px;display:flex;justify-content:space-between;gap:10px}
.areas a span{color:var(--ink-soft);font-weight:600;font-size:13.5px}
.areas a:hover{background:var(--ice);color:var(--copper-deep)}
.insurepanel{background:var(--slate-deep);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:#fff}
.insurepanel p{font-size:16px;color:#E3EBEF;max-width:620px}
.insurepanel p+p{margin-top:10px}
.ctaband{background:var(--slate-deep);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{font-size:34px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:17px;margin:0 auto 22px;color:#E3EBEF;max-width:640px}

/* article layout */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
article.body h2{font-size:28px;margin:44px 0 0}
article.body h2:first-child{margin-top:0}
article.body h3{font-size:19px;margin:22px 0 0}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
article.body p{max-width:74ch}
article.body ul,article.body ol{margin:16px 0 0 22px}
article.body li{margin-top:7px}
article.body li+li{margin-top:7px}
article.body a{font-weight:600}
.tablewrap{overflow-x:auto;margin-top:18px;border:1px solid var(--line);border-radius:12px}
.tablewrap table{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
.tablewrap th{background:var(--slate-deep);color:#fff;text-align:left;padding:12px 16px;font-size:13px;letter-spacing:.05em;text-transform:uppercase}
.tablewrap td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
.tablewrap tr:nth-child(even) td{background:var(--ice)}
.cardgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:18px}
.cardgrid .minicard{background:var(--ice);border:1px solid var(--line);border-radius:12px;padding:18px 20px}
.cardgrid .minicard h3{margin:0 0 6px;font-size:17px}
.cardgrid .minicard p{margin:0;font-size:15.5px;max-width:none}
.localnote{background:var(--ice);border:1px solid var(--line);border-left:5px solid var(--copper);border-radius:12px;padding:24px 26px;margin-top:44px}
.localnote h2{margin-top:0;font-size:24px}
.prepwrap{background:#FBF1EB;border:1px solid #EBCDBB;border-radius:14px;padding:26px 26px 28px;margin-top:44px}
.prepwrap h2{margin-top:0;font-size:26px}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}
.prepcard{background:#fff;border:1px solid #EBCDBB;border-radius:12px;padding:16px 18px}
.prepcard h3{margin:0 0 6px;font-size:16.5px}
.prepcard p{margin:0;font-size:15.5px}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-top:5px solid var(--copper);border-radius:14px;padding:24px;box-shadow:0 14px 34px rgba(30,42,51,.09)}
.sidecard .kick{color:var(--copper-deep)}
.sidecard h3{font-size:20px;margin:8px 0 8px}
.sidecard p{font-size:15.5px;color:var(--ink-soft);margin-bottom:14px}
.sidecard .btn{width:100%}
.sidecard ul{list-style:none;margin:16px 0 0}
.sidecard li{padding:7px 0 7px 26px;position:relative;font-size:15px;font-weight:600;border-top:1px solid var(--line)}
.sidecard li:before{content:"\2713";position:absolute;left:2px;color:var(--copper-deep);font-weight:800}
.sidecard .sidelink{display:block;margin-top:14px;font-weight:700;font-size:15px}
.faq{margin-top:48px}
.faq h2{font-size:28px;margin-bottom:6px}
.faq details{border:1px solid var(--line);border-radius:12px;margin-top:12px;background:#fff}
.faq summary{cursor:pointer;list-style:none;padding:16px 50px 16px 18px;font-weight:700;font-size:17px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:18px;top:12px;font-size:24px;color:var(--copper-deep);font-weight:700}
.faq details[open] summary:after{content:"\2212"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .ans{padding:6px 18px 18px}
.faq .ans p{max-width:none}
.faqcta{margin-top:22px;padding:18px 20px;background:var(--ice);border-radius:12px;display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap}
.faqcta p{margin:0;font-weight:600}
.byline{font-size:14px;color:#DCE5EA;margin-top:14px}
.mapwrap{padding:56px 0;background:var(--ice);border-top:1px solid var(--line)}
.mapwrap h2{font-size:26px;margin-bottom:6px}
.mapwrap p{color:var(--ink-soft);margin-bottom:16px;max-width:70ch}
.mapframe{width:100%;height:380px;border:0;border-radius:12px;background:var(--line)}
.inmap{margin-top:22px}
.inmap .mapframe{height:320px}
.blogcards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;display:flex;flex-direction:column}
.blogcard img{width:100%;height:160px;object-fit:cover;background:var(--slate-deep)}
.blogcard .bc{padding:20px 22px 24px}
.blogcard h3{font-size:18px;line-height:1.3;margin-bottom:8px}
.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h3 a:hover{color:var(--copper-deep)}
.blogcard p{font-size:15px;color:var(--ink-soft)}
.plainsec{padding:56px 0 64px}

/* footer */
.sitefooter{background:#fff;border-top:1px solid var(--line);padding:52px 0 40px;font-size:15px}
.sitefooter .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
.sitefooter h2{font-size:15px;margin-bottom:12px;letter-spacing:.02em}
.sitefooter a{color:var(--ink-soft);text-decoration:none;display:block;margin-bottom:7px}
.sitefooter a:hover{color:var(--copper-deep)}
.sitefooter address{font-style:normal;color:var(--ink-soft);margin-bottom:10px}
.sitefooter .nap a{display:inline;color:var(--slate-deep);font-weight:700}
.sitefooter .legal{grid-column:1/-1;border-top:1px solid var(--line);padding-top:18px;color:var(--ink-soft);font-size:14px}

/* persistent call button */
.sticky-cta{position:fixed;z-index:80;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:var(--copper);color:#fff;display:flex;align-items:center;justify-content:center;text-decoration:none;box-shadow:0 12px 26px rgba(30,42,51,.3)}
.sticky-cta:hover{background:var(--copper-deep);color:#fff}
.sticky-cta svg{width:26px;height:26px}
.sticky-cta .lbl{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:clamp(28px,5vw,40px);margin-bottom:12px}

@media(max-width:1100px){.navlinks>li>a,.navlinks>li>button.navbtn{padding:12px 8px;font-size:14.5px}}
@media(max-width:900px){
  .navlinks{display:none}
  .nav-toggle{display:flex}
  .siteheader .wrap{height:70px}
  .mobile-menu{max-height:calc(100vh - 70px)}
  .hero .wrap,.insurepanel{grid-template-columns:1fr}
  .twocol{grid-template-columns:minmax(0,1fr);gap:34px}
  .sidecard{position:static}
  .cards,.why,.blogcards{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;gap:26px 0}
  .steps:before{display:none}
  .areas{grid-template-columns:1fr 1fr}
  .sitefooter .wrap{grid-template-columns:1fr 1fr}
}
@media(max-width:760px){
  body{padding-bottom:64px}
  .sticky-cta{left:0;right:0;bottom:0;width:100%;height:60px;border-radius:0;gap:10px;background:var(--slate-night);font-weight:700;font-size:16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
  .sticky-cta .lbl{position:static;width:auto;height:auto;overflow:visible;clip:auto}
  .sticky-cta svg{width:22px;height:22px}
  .topbar .wrap{justify-content:center;text-align:center}
}
@media(max-width:600px){
  .wrap{padding:0 18px}
  .cards,.why,.blogcards,.areas,.cardgrid,.prepcards{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .sitefooter .wrap{grid-template-columns:1fr}
  .pagehead{padding:38px 0 34px}
  .hero{padding:44px 0 40px}
  .sec{padding:48px 0}
  .sec h2.big{font-size:28px}
  article.body h2{font-size:25px}
  .logo{font-size:16px}
  .logo-mark{width:32px;height:32px}
  .ctaband h2{font-size:27px}
  .insurepanel{padding:24px}
}
@media(max-width:380px){.logo{font-size:14.5px;gap:8px}.logo-mark{width:28px;height:28px}.nav-toggle{width:42px}}

.inlinecall{white-space:nowrap}
.twocol>*{min-width:0}
article.body p,article.body li,.sitefooter,.sitefooter a{overflow-wrap:anywhere}
.navlinks>li>a.btn{background:var(--copper);color:#fff;padding:10px 18px;font-size:14px;margin-left:6px}
.navlinks>li>a.btn:hover{background:var(--copper-deep);color:#fff}
.pagehead .badge{display:flex;width:fit-content}
@media(max-width:760px){.topbar .wrap>div:first-child{display:none}}
.logo-text{display:flex;flex-direction:column;line-height:1.1;min-width:0}
.logo-text span{display:block;font-size:.72em;font-weight:700;letter-spacing:.01em}
@media(max-width:380px){.logo-text span{font-size:.7em}}
.bodyfig{margin:28px 0}.bodyfig img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:14px;display:block;background:var(--slate-deep)}