:root{
--primary:#2C2C82;--primary-md:#3E3EA8;--accent:#F5A623;--accent-dk:#D88E10;
--ink:#20203A;--muted:#5C5C74;--bg:#fff;--bg2:#F6F5FC;--line:#E4E2F2;--white:#fff;
--font-head:'Sora',sans-serif;--font-body:'Nunito Sans',sans-serif;
--wrap:1180px;--radius:14px;--shadow:0 10px 22px rgba(62,62,168,.12);--trans:.2s ease;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-padding-top:90px}
body{font-family:var(--font-body);font-size:16px;color:var(--ink);background:var(--bg);line-height:1.65}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2}
h1{font-size:clamp(1.9rem,4.2vw,2.9rem)}
h2{font-size:clamp(1.5rem,3vw,2.1rem)}
h3{font-size:clamp(1.1rem,2vw,1.3rem)}
a{color:var(--primary-md)}
a:hover{color:var(--primary)}
ul,ol{padding-left:1.25rem}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--primary);color:#fff;padding:10px 16px;z-index:10000}
.skip-link:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--accent);color:var(--ink);font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(245,166,35,.35);border:0;cursor:pointer;min-height:48px}
.btn:hover{background:var(--accent-dk);color:var(--ink)}
.btn.alt{background:var(--primary-md);color:#fff;box-shadow:0 10px 22px rgba(62,62,168,.3)}
.btn.alt:hover{background:var(--primary);color:#fff}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--bg2);color:var(--ink)}
.btn.block{display:flex;width:100%}
/* header */
.topbar{background:var(--primary);color:#E3E3F7;font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--accent);font-weight:700;text-decoration:none}
.site-header{position:sticky;top:0;z-index:100;background:#fff;box-shadow:0 1px 0 var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.logo{display:block;flex-shrink:1;min-width:0}
.logo img{height:44px;width:auto;max-width:100%}
.nav-links{display:flex;align-items:center;gap:22px;list-style:none;padding:0;margin:0}
.nav-links a{color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px}
.nav-links a:hover{color:var(--primary-md)}
.nav-links .nav-cta{background:var(--accent);padding:11px 20px;border-radius:10px}
.nav-links .nav-cta:hover{background:var(--accent-dk);color:var(--ink)}
.has-dropdown{position:relative}
.dropmenu{position:absolute;top:100%;left:-12px;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);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 a{display:block;padding:9px 18px;white-space:nowrap;font-weight:600}
.dropmenu a:hover{background:var(--bg2)}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:46px;min-height:46px;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:2px;background:var(--primary);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,88vw);background:#fff;z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:24px}
.mob-drawer[hidden]{display:block;transform:translateX(100%);visibility:hidden}
.mob-drawer:not([hidden]){transform:translateX(0)}
.mob-drawer ul{list-style:none;margin:40px 0 0;padding:0}
.mob-drawer a{display:block;padding:13px 0;font-size:17px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:600}
.mob-drawer .drawer-label{display:block;padding:16px 0 4px;font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--primary)}
.mob-drawer a.drawer-cta{background:var(--accent);text-align:center;border-radius:10px;margin-top:14px;border-bottom:0}
.drawer-close{position:absolute;top:10px;right:10px;width:46px;height:46px;background:none;border:0;font-size:24px;cursor:pointer;color:var(--ink)}
.mob-overlay{position:fixed;inset:0;background:rgba(32,32,58,.55);z-index:9998;opacity:0;visibility:hidden;transition:opacity var(--trans),visibility var(--trans)}
.mob-overlay.visible{opacity:1;visibility:visible}
/* heroes */
.hero{position:relative;isolation:isolate;overflow:hidden;background:#fff;padding:64px 0}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative;z-index:2}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--bg2);color:var(--primary);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"\25CF";color:var(--accent);font-size:10px}
.badge.badge-alt{background:var(--accent);color:var(--ink)}
.badge.badge-alt:before{color:var(--ink)}
.hero h1{margin-bottom:16px}
.hero h1 span{color:var(--primary-md)}
.hero p{color:var(--muted);font-size:17.5px;max-width:520px;margin-bottom:24px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:18px;flex-wrap:wrap;color:var(--muted);font-size:14px;font-weight:700;list-style:none;padding:0}
.trustrow li:before{content:"\2713\00a0";color:var(--primary-md)}
.statpanel{background:var(--primary);color:#fff;border-radius:var(--radius);padding:28px}
.statpanel h2{font-size:15px;opacity:.8;margin-bottom:16px;font-family:var(--font-head)}
.strow{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.18);font-size:14.5px}
.strow:last-child{border-bottom:none}
.strow b{color:var(--accent);font-family:var(--font-head);font-size:16px;text-align:right}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(32,32,58,.84),rgba(44,44,130,.58));z-index:-1}
.hero.has-hero h1,.hero.has-hero p,.hero.has-hero .trustrow{color:#fff}
.hero.has-hero h1 span{color:var(--accent)}
.hero.has-hero .badge{background:rgba(255,255,255,.16);color:#fff}
.pagehead{position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(135deg,#2C2C82 0%,#3E3EA8 100%);color:#fff;padding:46px 0 52px}
.pagehead .wrap{position:relative;z-index:2}
.pagehead h1{max-width:860px;margin-bottom:14px}
.pagehead .sub{font-size:18px;color:#E3E3F7;max-width:760px;margin-bottom:22px}
.pagehead .badge{background:rgba(255,255,255,.16);color:#fff}
.pagehead .badge.badge-alt{background:var(--accent);color:var(--ink)}
.crumbs{font-size:13.5px;margin-bottom:16px;color:#CFCFEF}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0}
.crumbs li+li:before{content:"/";margin-right:6px;opacity:.7}
.crumbs a{color:#fff}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.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}
.zip-chip.primary{background:var(--accent);border-color:var(--accent);color:var(--ink)}
/* strips and bands */
.strip{background:var(--bg2);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}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{color:var(--primary-md);font-size:18px}
.emergency{background:var(--accent);color:var(--ink);padding:22px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px}
.emergency p{font-size:14.5px}
.emergency .btn{background:var(--primary);color:#fff;box-shadow:none}
.emergency .btn:hover{background:var(--primary-md);color:#fff}
.sec{padding:72px 0;background:#fff}
.sec.tint{background:var(--bg2)}
.kick{color:var(--primary);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.sec-title{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(--radius);padding:26px}
.card .ic{width:50px;height:50px;background:var(--bg2);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{margin-bottom:8px}
.card p{font-size:14.5px;color:var(--muted);margin-bottom:12px}
.card a.more{font-weight:700;font-size:14px;text-decoration:none}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--radius);padding:24px;text-align:center;border:1px solid var(--line)}
.whycard .num{width:44px;height:44px;background:var(--primary-md);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:16.5px;margin-bottom:6px}
.whycard p{font-size:14.5px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;list-style:none;padding:0}
.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(--accent);color:var(--ink);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:14.5px;color:var(--muted)}
.insurepanel{background:var(--primary);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(--accent)}
.insurepanel p{font-size:15px;color:#E3E3F7;max-width:560px}
.insurepanel .btn{background:var(--accent)}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.areas a{background:#fff;border:1px solid var(--line);padding:14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:15px;text-align:center}
.areas a:hover{background:var(--bg2)}
.ctaband{background:var(--primary);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:clamp(1.6rem,3.6vw,2.5rem);margin-bottom:8px}
.ctaband p{font-size:17px;margin:0 auto 24px;color:#E3E3F7;max-width:640px}
/* body layout */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
article h2{margin:44px 0 14px}
article>h2:first-child{margin-top:0}
article h3{margin:26px 0 8px}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
article p{max-width:74ch}
article ul.plain,article ol.plain{margin:14px 0 0 1.25rem}
article ul.plain li,article ol.plain li{margin-bottom:8px}
.sidecard{position:sticky;top:96px;align-self:start;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.sidecard .kick{display:block;margin-bottom:6px}
.sidecard h3{margin:0 0 8px;font-size:19px}
.sidecard p{font-size:14.5px;color:var(--muted);margin-bottom:16px}
.sidecard ul{list-style:none;padding:0;margin:18px 0 14px}
.sidecard li{padding:7px 0 7px 26px;position:relative;font-size:14.5px;font-weight:600;border-bottom:1px solid var(--line)}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--primary-md);font-weight:700}
.sidecard .sidelink{font-size:14.5px;font-weight:700}
.callout-card{background:var(--bg2);border:1px solid var(--line);border-left:6px solid var(--accent);border-radius:var(--radius);padding:26px 28px;margin:26px 0}
.callout-card h3{margin:0 0 8px}
.callout-card.safety{border-left-color:var(--primary-md);background:#fff}
.icon-list{list-style:none;padding:0;margin:16px 0 0;display:grid;gap:12px}
.icon-list li{display:flex;gap:12px;align-items:flex-start}
.icon-list li:before{content:"\2713";flex:none;width:26px;height:26px;border-radius:50%;background:var(--primary-md);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px;margin-top:2px}
.icon-list.warn li:before{content:"!";background:var(--accent);color:var(--ink)}
.table-wrap{overflow-x:auto;margin:20px 0 0;border:1px solid var(--line);border-radius:var(--radius)}
.dtable{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
.dtable th{background:var(--primary);color:#fff;text-align:left;padding:13px 16px;font-size:13px;text-transform:uppercase;letter-spacing:.04em}
.dtable td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
.dtable tr:nth-child(even) td{background:var(--bg2)}
.tablenote{font-size:13.5px;color:var(--muted);margin-top:10px;font-style:italic}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:18px}
.prepcard{background:#fff;border:1px solid var(--line);border-top:4px solid var(--accent);border-radius:var(--radius);padding:20px}
.prepcard h3{margin:0 0 6px;font-size:16.5px}
.prepcard p{font-size:14.5px;color:var(--muted)}
.localnote{background:var(--bg2);border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;margin:44px 0 0}
.localnote h2{margin:0 0 12px;font-size:clamp(1.3rem,2.6vw,1.7rem)}
.localnote .src{font-size:13px;color:var(--muted);margin-top:12px;font-style:italic}
.facts{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}
.fact{background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.fact b{display:block;font-family:var(--font-head);color:var(--primary);font-size:15px;margin-bottom:4px}
.fact span{font-size:14.5px;color:var(--muted)}
/* faq */
.faq{margin-top:10px}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff;overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:16px 50px 16px 18px;font:700 16px var(--font-body);color:var(--ink);cursor:pointer;position:relative;min-height:48px}
.faq-q:after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:22px;color:var(--primary-md)}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-answer{max-height:1400px}
.faq-inner{padding:0 18px 18px}
/* blog */
.postmeta{font-size:14px;color:#E3E3F7}
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column}
.blogcard h2{font-size:18px;margin-bottom:8px}
.blogcard h2 a{color:var(--ink);text-decoration:none}
.blogcard h2 a:hover{color:var(--primary-md)}
.blogcard p{font-size:14.5px;color:var(--muted)}
.blogcard .tag{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--primary);margin-bottom:8px}
/* map and footer */
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line)}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-wrap.tall{padding-bottom:50%}
.mapnote{font-size:14px;color:var(--muted);margin-top:12px}
.site-footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 36px;font-size:14.5px}
.site-footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.site-footer h2{font-size:16px;margin-bottom:12px}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:8px}
.site-footer a:hover{color:var(--primary-md)}
.site-footer p{color:var(--muted);margin-bottom:8px}
.site-footer .foot-logo img{height:42px;width:auto;margin-bottom:12px}
.site-footer .phone-link{color:var(--primary-md);font-weight:700}
.legal{background:var(--bg2);padding:16px 0;font-size:13px;color:var(--muted);text-align:center}
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--primary);z-index:50;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
.sticky-cta 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(--primary-md);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(62,62,168,.4);z-index:60;transition:opacity var(--trans)}
.floatcall:hover{background:var(--primary);color:#fff}
.floatcall.hide{opacity:0;pointer-events:none}
.notfound{text-align:center;padding:90px 0}
.notfound p{margin:14px auto 24px;max-width:520px;color:var(--muted)}
@media(max-width:1200px){.nav-links{gap:16px}}
@media(max-width:900px){
.nav-links{display:none}.hamburger{display:flex}
.hero .wrap,.insurepanel,.twocol{grid-template-columns:minmax(0,1fr)}
.cards,.why,.bloggrid{grid-template-columns:1fr 1fr}
.steps{grid-template-columns:1fr 1fr;row-gap:28px}.steps:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.site-footer .wrap{grid-template-columns:1fr 1fr}
.sidecard{position:static}
}
@media(max-width:768px){
.sticky-cta{display:block}body{padding-bottom:68px}.floatcall{display:none}
.topbar .wrap{justify-content:center;text-align:center}
.prepcards,.facts{grid-template-columns:1fr}
}
@media(max-width:600px){
.cards,.why,.bloggrid,.steps,.areas,.site-footer .wrap{grid-template-columns:1fr}
.sec{padding:52px 0}.hero{padding:42px 0}
.map-wrap,.map-wrap.tall{padding-bottom:75%}
.callout-card,.localnote{padding:22px 18px}
}
@media(max-width:480px){.wrap{padding:0 16px}.btn{padding:13px 18px}}

.prosewrap{max-width:860px}
.prosewrap h2{margin:36px 0 12px}
.prosewrap>h2:first-child{margin-top:0}
.faqwrap{max-width:860px}
.sec h2.sec-title+p{margin-bottom:22px}
.prosewrap+.table-wrap{margin-top:20px}

.mapsec{border-top:1px solid var(--line)}
.inlinecta{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;background:var(--bg2);border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;margin:30px 0}
.inlinecta p{margin:0;max-width:none}

.card.has-img,.blogcard.has-img{padding:0;overflow:hidden}
.cardbody{padding:22px 24px 24px}
.card.has-img .ic{margin-top:-4px}
.cardimg{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;background:var(--bg2)}
.thumblink{display:block}
.inlineimg{margin:26px 0}
.inlineimg img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:var(--radius);border:1px solid var(--line)}

.bloggrid{margin-top:34px}
.blogcard .cardbody{display:flex;flex-direction:column;flex:1}
.blogcard .tag{margin-bottom:10px}