:root{
  --navy:#12203A;--navy2:#1B2E4B;--amber:#E3A23C;--amber-d:#C4832A;--paper:#F7F5F0;--line:#E7E2D6;
  --ink:#20242E;--muted:#575B66;--white:#fff;--soft:#C7CFE0;
  --serif:'Fraunces',Georgia,serif;--sans:'Work Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
  --wrap:1180px;--r:14px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:#fff;line-height:1.65;font-size:16px;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--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:-9999px;top:0;background:var(--amber);color:var(--navy);padding:10px 16px;z-index:200;font-weight:700}
.skip:focus{left:8px;top:8px}

/* buttons */
.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:100px;box-shadow:0 10px 22px rgba(227,162,60,.35);border:2px solid transparent;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-color:var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--paper)}
.btn.onamber{background:var(--navy);color:#fff;box-shadow:none}
.btn.block{display:flex;width:100%}

/* top bar + nav */
.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}
header.site{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}
.brandlink{display:flex;align-items:center;text-decoration:none;flex-shrink:0}
.brandlink img{height:50px;width:auto}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links>li{position:relative}
.nav-links>li>a,.nav-links>li>button.navbtn{display:block;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;background:none;border:0;cursor:pointer;font-family:inherit}
.nav-links>li>a:hover,.nav-links>li>button.navbtn:hover{color:var(--navy2);background:var(--paper);border-radius:8px}
.nav-links .btn{font-size:14px;padding:11px 20px;color:var(--navy)}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 34px rgba(18,32,58,.14);padding:8px;list-style:none;z-index:80}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;color:var(--ink);text-decoration:none;font-size:14px;font-weight:500;border-radius:8px}
.dropmenu a:hover{background:var(--paper);color:var(--navy2)}
.dropmenu .dropmore a{font-weight:700;color:var(--navy2);border-top:1px solid var(--line);margin-top:4px;border-radius:0 0 8px 8px}
.nav-links li.hasdrop:hover>.dropmenu,.nav-links li.hasdrop:focus-within>.dropmenu{display:block}
.burger{display:none;background:none;border:2px 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)}
.mob-overlay{display:none;position:fixed;inset:0;background:rgba(18,32,58,.55);z-index:90}
.mob-drawer{display:none;position:fixed;top:0;right:0;bottom:0;width:min(86vw,340px);background:#fff;z-index:100;padding:20px 20px 90px;overflow-y:auto;box-shadow:-10px 0 30px rgba(0,0,0,.2)}
.mob-drawer .closebtn{background:none;border:0;font-size:30px;line-height:1;float:right;cursor:pointer;color:var(--navy);padding:4px 10px}
.mob-drawer h3{font-size:13px;text-transform:uppercase;letter-spacing:.09em;color:var(--muted);margin:22px 0 8px;font-family:var(--sans)}
.mob-drawer ul{list-style:none}
.mob-drawer li a{display:block;padding:11px 4px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:600;font-size:16px}
.mob-drawer .btn{margin-top:20px}
body.menu-open .mob-overlay,body.menu-open .mob-drawer{display:block}

/* crumbs */
.crumbs{font-size:13.5px;color:var(--soft);margin-bottom:14px}
.crumbs a{color:var(--soft)}
.crumbs span.sep{margin:0 6px;opacity:.6}

/* hero + pagehead */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,#12203A 0%,#1B2E4B 55%,#24406a 100%);overflow:hidden}
.hero{padding:70px 0}
.pagehead{padding:56px 0 52px}
.hero .hero-bg,.pagehead .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.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,.78) 55%,rgba(18,32,58,.55) 100%)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1,.pagehead h1{color:#fff}
.hero h1{font-size:clamp(32px,4.4vw,48px);margin-bottom:16px}
.hero h1 span{color:var(--amber)}
.hero p.lead,.pagehead p.lead{color:#DCE2EE;font-size:18px;max-width:600px;margin-bottom:24px}
.pagehead h1{font-size:clamp(28px,3.8vw,42px);margin-bottom:14px;max-width:880px}
.pagehead p.lead{margin-bottom:22px}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);color:#fff;font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px;border:1px solid rgba(255,255,255,.25)}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--amber)}
.badge-alt{background:var(--amber);color:var(--navy);border-color:var(--amber)}
.badge-alt:before{background:var(--navy)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:20px}
.hero .btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.hero .btn.ghost:hover{background:rgba(255,255,255,.1)}
.trustrow{display:flex;gap:10px 20px;flex-wrap:wrap;color:#DCE2EE;font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--amber)}
.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,.35);color:#fff;font-weight:700;font-size:13.5px;padding:5px 13px;border-radius:100px;letter-spacing:.03em}
.statpanel{background:rgba(18,32,58,.72);border:1px solid rgba(255,255,255,.16);color:#fff;border-radius:var(--r);padding:28px}
.statpanel h2{font-size:17px;color:#fff;margin-bottom:14px;font-family:var(--sans);font-weight:700}
.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:none}
.strow b{color:var(--amber);font-family:var(--serif);font-size:16px;text-align:right}

/* strips */
.strip{background:var(--paper);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 .ic{color:var(--navy2);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;color:var(--navy)}
.emergency p{font-size:15px}

/* sections */
.sec{padding:68px 0;background:#fff}
.sec.tint{background:var(--paper)}
.kick{color:var(--navy2);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase;display:block;margin-bottom:6px}
.sec h2.secti{font-size:clamp(26px,3vw,34px);margin:6px 0 24px}
main h2{font-size:clamp(23px,2.6vw,30px);margin:42px 0 14px}
main h3{font-size:20px;margin:26px 0 10px}
main article>h2:first-child{margin-top:0}
main p{max-width:74ch}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul.bul,main ol.num{margin:14px 0 0 22px;max-width:74ch}
main ul.bul li,main ol.num li{margin-bottom:8px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 10px 30px rgba(18,32,58,.08)}
.sidecard .skick{display:inline-block;background:var(--navy);color:#fff;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:5px 11px;border-radius:100px;margin-bottom:12px}
.sidecard h3{font-size:19px;margin:0 0 8px}
.sidecard p{font-size:14.5px;color:var(--muted);margin-bottom:14px}
.sidecard ul{list-style:none;margin:16px 0 14px}
.sidecard li{font-size:14px;padding:6px 0 6px 24px;position:relative;border-bottom:1px solid var(--line)}
.sidecard li:last-child{border-bottom:0}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--navy2);font-weight:700}
.sidecard .sidelink{font-size:14px;font-weight:700}

/* cards */
.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(--paper);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:15px;color:var(--muted);margin-bottom:12px}
.card a.more{font-weight:700;font-size:14.5px;text-decoration:none}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:var(--paper);border-radius:var(--r);padding:24px;text-align:center}
.sec.tint .whycard{background:#fff}
.whycard .num{width:44px;height:44px;background:var(--navy2);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;margin:0 0 6px}
.whycard p{font-size:14.5px;color:var(--muted);margin:0 auto}
.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(--amber);color:var(--navy);font-family:var(--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:0 0 6px}
.step p{font-size:14.5px;color:var(--muted);margin:0 auto}
.box{border-radius:var(--r);padding:24px 26px;margin:22px 0;max-width:820px}
.box.check{background:#fff;border:1px solid var(--line);border-left:5px solid var(--navy2);box-shadow:0 6px 18px rgba(18,32,58,.06)}
.box.note{background:var(--paper);border:1px solid var(--line)}
.box.warn{background:#FFF6E6;border:1px solid #F0D49A;border-left:5px solid var(--amber)}
.box.local{background:#F0F4FA;border:1px solid #D5DEEE;border-left:5px solid var(--navy2)}
.box h2,.box h3{margin:0 0 10px;font-size:20px}
.box ul{margin:10px 0 0 20px}
.box li{margin-bottom:7px}
.box p{max-width:none}
.prep{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:20px 0 0;list-style:none}
.prep li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;font-size:15px}
.prep li b{display:block;font-family:var(--serif);font-size:16.5px;margin-bottom:4px;color:var(--navy2)}
.tablewrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:12px}
table{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}
th{background:var(--navy);color:#fff;text-align:left;padding:13px 16px;font-size:13.5px;letter-spacing:.03em;text-transform:uppercase}
td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
tbody tr:nth-child(even) td{background:var(--paper)}
.tablenote{font-size:13.5px;color:var(--muted);font-style:italic;margin-top:-8px}
.insurepanel{background:var(--navy);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin:34px 0}
.insurepanel h2,.insurepanel h3{font-size:24px;margin:0 0 8px;color:var(--amber)}
.insurepanel p{font-size:15px;color:var(--soft);max-width:560px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}
.areas a{background:#fff;border:1px solid var(--line);padding:13px 14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;text-align:center}
.areas a:hover{background:var(--paper)}

/* FAQ */
.faq{margin:18px 0 0;max-width:820px}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:16px 20px;font:700 16.5px/1.4 var(--sans);cursor:pointer;color:var(--ink);display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq-q:after{content:"+";font-size:22px;color:var(--navy2);flex-shrink:0}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-a .inner{padding:0 20px 18px}
.faq-a p{font-size:15.5px}
.faq-item.open .faq-a{max-height:900px}

/* map + cta + footer */
.mapsec{padding:56px 0;background:var(--paper)}
.mapsec h2{font-size:26px;margin:0 0 6px}
.mapsec p{margin-bottom:18px;color:var(--muted)}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--r);overflow:hidden;border:1px solid var(--line);background:#e9edf3}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-wrap.loc{margin:24px 0 8px;padding-bottom:50%;max-width:820px}
.ctaband{background:var(--navy);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:clamp(26px,3.4vw,38px);margin-bottom:8px;color:#fff}
.ctaband p{font-size:17px;color:var(--soft);margin:0 auto 24px}
.ctaband .btn{background:var(--amber);color:var(--navy)}
footer.site{background:var(--navy);color:var(--soft);padding:54px 0 30px;font-size:14.5px}
footer.site .wrap.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
footer.site h2.fh{color:#fff;font-size:16px;margin-bottom:12px;font-family:var(--serif)}
footer.site a{color:var(--soft);text-decoration:none;display:block;margin-bottom:8px}
footer.site a:hover{color:#fff}
footer.site a.tel{color:var(--amber);font-weight:700;font-size:17px}
footer.site address{font-style:normal;margin-bottom:8px}
footer.site img{height:48px;width:auto;margin-bottom:14px}
.copy{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding-top:20px;font-size:13px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);z-index:70;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:15.5px;text-decoration:none;min-height:44px}
.floatcall{position:fixed;right:22px;bottom:22px;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 10px 24px rgba(0,0,0,.25);z-index:70}

/* blog */
.bloglist{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.blogcard{border:1px solid var(--line);border-radius:var(--r);padding:24px;background:#fff;display:flex;flex-direction:column}
.blogcard .tag{font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--navy2);margin-bottom:8px}
.blogcard h3{font-size:18px;margin:0 0 10px}
.blogcard h3 a{text-decoration:none;color:var(--ink)}
.blogcard p{font-size:14.5px;color:var(--muted)}
.byline{font-size:14px;color:#DCE2EE;margin-bottom:6px}
.localnote{border-radius:var(--r)}

@media(max-width:900px){
  .nav-links{display:none}
  .burger{display:flex}
  .hero .wrap{grid-template-columns:1fr;gap:30px}
  .twocol{grid-template-columns:minmax(0,1fr)}
  .sidecard{position:static}
  .cards,.why,.bloglist{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;gap:26px 0}
  .steps:before{display:none}
  .areas{grid-template-columns:1fr 1fr}
  .insurepanel{grid-template-columns:1fr}
  .prep{grid-template-columns:1fr}
  footer.site .wrap.fgrid{grid-template-columns:1fr 1fr}
  .stickybar{display:block}
  .floatcall{display:none}
  body{padding-bottom:70px}
  .hero{padding:48px 0}
  .map-wrap{padding-bottom:70%}
}
@media(max-width:560px){
  .cards,.why,.bloglist,.steps{grid-template-columns:1fr}
  footer.site .wrap.fgrid{grid-template-columns:1fr}
  .wrap{padding:0 18px}
  .topbar .wrap{flex-direction:column;gap:2px}
  .btn{width:100%}
  .nav-links .btn{width:auto}
}

.hamburger{cursor:pointer}
.plain{min-width:0}
.sticky-bar{z-index:70}
.twocol>*{min-width:0}
main p,main li,main td{overflow-wrap:anywhere}

.fig{margin:28px 0}
.fig img{display:block;width:100%;height:auto;border-radius:14px;border:1px solid var(--line)}
.card.has-thumb{padding:0;overflow:hidden}
.card.has-thumb .thumb{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.card.has-thumb h3,.card.has-thumb p,.card.has-thumb a.more{margin-left:22px;margin-right:22px}
.card.has-thumb h3{margin-top:18px}
.card.has-thumb a.more{display:inline-block;margin-bottom:22px}