:root{
  --ink:#1E232C;--slate:#374158;--slate2:#4C5A72;--mist:#F2F4F8;--line:#DFE3EC;--muted:#5A6270;
  --coral:#F0644A;--cta:#C23A22;--cta-hover:#A92F1A;--white:#fff;--topbar-text:#B7BDC9;
  --radius:14px;--wrap:1180px;--gutter:24px;
  --font-body:'Inter',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
  --font-head:'Manrope','Inter',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{overflow-wrap:break-word;font-family:var(--font-body);color:var(--ink);background:var(--white);line-height:1.65;font-size:16px}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
img,svg{max-width:100%;height:auto}
a{color:var(--slate2);text-underline-offset:3px}
a:hover{color:var(--cta)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--cta);color:#fff;font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(194,58,34,.28);border:2px solid var(--cta);cursor:pointer;font-family:var(--font-body)}
.btn:hover{background:var(--cta-hover);border-color:var(--cta-hover);color:#fff}
.btn:focus-visible,.navlinks a:focus-visible,.faq-q:focus-visible,.menu-toggle:focus-visible{outline:3px solid var(--slate);outline-offset:2px}
.btn.alt{background:var(--slate2);border-color:var(--slate2);box-shadow:0 10px 22px rgba(76,90,114,.28)}
.btn.alt:hover{background:var(--slate);border-color:var(--slate)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--slate2);color:var(--ink)}
.btn.sm{font-size:14px;padding:11px 20px}
.btn.block{display:flex;justify-content:center;width:100%}

/* topbar and nav */
.topbar{background:var(--slate);color:var(--topbar-text);font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px}
.topbar b{color:#fff}
header.site{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:40}
.navbar{position:relative;display:flex;align-items:center;justify-content:space-between;height:78px}
.logo-link{display:inline-flex;align-items:center;text-decoration:none}
.logo-link img{display:block;height:52px;width:auto}
.navlinks{display:flex;align-items:center;gap:6px}
.navlinks a{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;display:inline-block}
.navlinks a:hover{color:var(--cta)}
.navlinks a.btn{color:#fff;margin-left:10px}
.navlinks a.btn:hover{color:#fff}
.has-drop{position:relative}
.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 18px 40px rgba(30,35,44,.14);padding:8px;z-index:60;list-style:none}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;border-radius:8px;font-size:14px;font-weight:600;white-space:nowrap}
.dropmenu a:hover,.dropmenu a:focus{background:var(--mist)}
.dropmenu .dropgap{border-top:1px solid var(--line);margin:6px 0 2px;padding-top:2px}
.has-drop:hover>.dropmenu,.has-drop:focus-within>.dropmenu{display:block}
.mobile-menu{z-index:60}
.menu-toggle{display:none;background:#fff;border:2px solid var(--line);border-radius:10px;padding:9px 14px;font-weight:700;font-size:14px;color:var(--ink);cursor:pointer;font-family:var(--font-body)}

/* hero (home) */
.hero{background:linear-gradient(135deg,#fff 0%,var(--mist) 100%);padding:64px 0;position:relative;isolation:isolate;overflow:hidden}
.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(--mist);color:var(--slate);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px;border:1px solid var(--line)}
.badge:before{content:"\25CF";color:var(--cta);font-size:10px}
.badge.badge-alt{background:var(--slate);color:#fff;border-color:var(--slate)}
.badge.badge-alt:before{color:#fff}
.hero h1{font-size:clamp(29px,4vw,44px);line-height:1.12;margin-bottom:16px}
.hero h1 span{color:var(--slate2)}
.hero p.lede{color:var(--muted);font-size:17px;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:13.5px;font-weight:600;list-style:none}
.trustrow li{list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--slate2)}
.statpanel{background:var(--slate);color:#fff;border-radius:var(--radius);padding:28px}
.statpanel h2{font-size:15px;color:#DFE3EC;margin-bottom:12px;font-weight:700}
.strow{display:block;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.18);font-size:14.5px;color:#fff}
.strow:last-child{border-bottom:none}
.strow b{display:block;font-family:var(--font-head);font-size:15.5px;color:#fff;margin-bottom:2px}
.strow span{color:#DFE3EC}

/* page head (inner pages) */
.pagehead{background:linear-gradient(120deg,var(--slate) 0%,var(--slate2) 100%);color:#fff;padding:54px 0 46px;position:relative;isolation:isolate;overflow:hidden}
.pagehead .wrap{position:relative;z-index:2}
.pagehead h1{color:#fff;font-size:clamp(27px,3.4vw,38px);line-height:1.15;margin:6px 0 12px;max-width:860px}
.pagehead p.lede{color:#EEF0F5;font-size:17px;max-width:760px}
.pagehead .badge{margin-bottom:12px}
.crumbs{font-size:13px;color:#DFE3EC;margin-bottom:10px}
.crumbs a{color:#fff}
.crumbs span{opacity:.8}
.has-hero .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(120deg,rgba(30,35,44,.82),rgba(55,65,88,.7));z-index:-1}
.hero.has-hero h1,.hero.has-hero h1 span,.hero.has-hero p.lede,.hero.has-hero .trustrow{color:#fff}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px;list-style:none}
.zip-chip{display:inline-block;background:#fff;color:var(--slate);font-weight:700;font-size:13.5px;padding:5px 13px;border-radius:100px}

/* strips and bands */
.strip{background:var(--mist);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:18px var(--gutter);flex-wrap:wrap;gap:10px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{color:var(--slate2);font-size:18px}
.emergency{background:var(--cta);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:14.5px;color:#fff}
.emergency .btn{background:var(--slate);border-color:var(--slate);box-shadow:none}
.emergency .btn:hover{background:var(--ink);border-color:var(--ink)}
.ctaband{background:var(--slate);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:36px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:17px;margin:0 auto 24px;color:#DFE3EC;max-width:640px}
.ctaband .btn{background:var(--cta);border-color:var(--cta)}
.midcta{background:var(--mist);border:1px solid var(--line);border-radius:var(--radius);padding:24px 26px;margin:28px 0;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.midcta-title{font-family:var(--font-head);font-weight:700;font-size:19px;margin-bottom:4px;line-height:1.25}
.midcta p{color:var(--muted);font-size:15px;margin:0}
main .midcta p+p{margin-top:0}
.midcta p{max-width:560px}

/* sections */
.sec{padding:76px 0;background:#fff}
.sec.tint{background:var(--mist)}
.sec.tight{padding:56px 0}
.kick{color:var(--slate);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2,.article h2{font-size:32px;margin:10px 0 18px}
.sec .sech{font-size:36px;margin:10px 0 30px}
.article h3{font-size:21px;margin:26px 0 10px}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
.article{min-width:0}
.article p{max-width:760px}
.article ul,.article ol{margin:14px 0 4px 22px;max-width:760px}
.article li{margin-bottom:8px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:22px 0 6px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.tint .card{background:#fff}
.card .ic{width:50px;height:50px;background:var(--mist);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:14.5px;color:var(--muted);margin:0}
.card p+p{margin-top:10px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:22px}
.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(--slate2);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:14px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-top:26px}
.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(--cta);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:14px;color:var(--muted)}
.steps.vertical{grid-template-columns:1fr;gap:16px}
.steps.vertical:before{display:none}
.callout{background:var(--mist);border-left:5px solid var(--slate2);border-radius:0 var(--radius) var(--radius) 0;padding:20px 24px;margin:24px 0;max-width:760px}
.callout-title{font-family:var(--font-head);font-weight:700;font-size:17px;margin:0 0 8px;line-height:1.3}
.callout p{font-size:15.5px}
.callout.warn{border-left-color:var(--cta);background:#FDF1EE}
.prep{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:20px 0}
.prepcard{background:#fff;border:1px solid var(--line);border-top:4px solid var(--cta);border-radius:var(--radius);padding:20px 22px}
.prepcard h3{font-size:17px;margin:0 0 6px}
.prepcard p{font-size:15px;color:var(--muted)}
.localnote{background:var(--mist);border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;margin:30px 0;max-width:820px}
.localnote h2{font-size:24px;margin:0 0 12px}
.localnote .src{font-size:13.5px;color:var(--muted);font-style:italic}
.tablewrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:var(--radius);max-width:900px}
.tablewrap table{width:100%;border-collapse:collapse;font-size:14.5px;min-width:560px}
.tablewrap caption{caption-side:top;text-align:left;font-weight:700;padding:14px 18px;background:#fff;font-family:var(--font-head)}
.tablewrap th{background:var(--slate);color:#fff;text-align:left;padding:13px 18px;font-size:13px;text-transform:uppercase;letter-spacing:.04em}
.tablewrap td{padding:13px 18px;border-top:1px solid var(--line);vertical-align:top}
.tablewrap tr:nth-child(even) td{background:var(--mist)}
.tablewrap td:first-child{font-weight:700;color:var(--slate)}
.insurepanel{background:var(--slate);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin-top:20px}
.insurepanel h3{font-size:24px;margin-bottom:8px;color:#fff}
.insurepanel p{font-size:15px;color:#DFE3EC;max-width:600px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:18px}
.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:14px;text-align:center}
.areas a:hover{border-color:var(--slate2);color:var(--cta)}

/* two column with sidecard */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-top:5px solid var(--cta);border-radius:var(--radius);padding:24px;box-shadow:0 14px 34px rgba(30,35,44,.08)}
.sidecard .kicker{display:inline-block;background:var(--slate);color:#fff;font-weight:700;font-size:12px;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:100px;margin-bottom:12px}
.sidecard h3{font-size:20px;margin:0 0 8px}
.sidecard p{font-size:14.5px;color:var(--muted);margin-bottom:16px}
.sidecard ul{list-style:none;margin:16px 0 14px}
.sidecard li{list-style:none;font-size:14px;font-weight:600;padding:6px 0 6px 24px;position:relative;border-top:1px solid var(--line)}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--slate2);font-weight:700}
.sidecard .sidelink{font-size:14px;margin:0}
.sidecard .sidelink a{font-weight:700}

/* faq */
.faq{max-width:820px;margin:18px 0}
.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:#fff;border:0;padding:17px 52px 17px 20px;font-family:var(--font-head);font-weight:700;font-size:16.5px;color:var(--ink);cursor:pointer;position:relative;line-height:1.35}
.faq-q:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--slate2);font-weight:400}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-a .faq-inner{padding:0 20px 18px}
.faq-a p{font-size:15.5px;color:var(--muted)}

/* blog */
.postmeta{font-size:14px;color:#EEF0F5;margin-top:10px}
.blogcards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:24px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.blogcard .bc-img{display:block;aspect-ratio:16/9;background:var(--slate)}
.blogcard .bc-img img{display:block;width:100%;height:100%;object-fit:cover}
.blogcard .bc-top{background:linear-gradient(120deg,var(--slate),var(--slate2));color:#fff;padding:18px 20px;font-size:12.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}
.blogcard .bc-body{padding:20px;flex:1}
.blogcard h3{font-size:18px;margin:0 0 10px;line-height:1.3}
.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h3 a:hover{color:var(--cta)}
.blogcard p{font-size:14.5px;color:var(--muted)}

/* maps */
.mapsec{background:#fff;padding:56px 0 64px;border-top:1px solid var(--line)}
.mapsec h2{font-size:28px;margin:8px 0 8px}
.mapsec p{color:var(--muted);max-width:760px;margin-bottom:18px}
.mapframe{width:100%;height:380px;border:0;border-radius:var(--radius);background:var(--mist);display:block}
.mapframe.tall{height:420px}
.locmap{margin:28px 0}
.locmap h2{font-size:24px;margin:0 0 12px}

/* footer */
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 1.2fr;gap:32px}
.fh{font-family:var(--font-head);font-weight:700;color:var(--ink);font-size:16px;margin-bottom:12px}
footer.site a{color:var(--muted);text-decoration:none;display:block;margin-bottom:7px}
footer.site a:hover{color:var(--cta)}
footer.site .flogo{display:inline-block;margin-bottom:12px}
footer.site .flogo img{height:50px;width:auto;display:block}
footer.site address{font-style:normal;color:var(--muted);margin-bottom:10px}
footer.site p{color:var(--muted)}
footer.site p+p{margin-top:10px}
footer.site .telline{color:var(--ink);font-weight:700;font-size:17px}
.legal{background:var(--mist);border-top:1px solid var(--line);padding:16px 0;font-size:13px;color:var(--muted)}

/* persistent CTAs */
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--slate);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:15px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--cta);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(194,58,34,.4);z-index:45}
.floatcall:hover{background:var(--cta-hover);color:#fff}

/* 404 */
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:40px;margin-bottom:12px}
.notfound p{color:var(--muted);max-width:560px;margin:0 auto 24px}

@media(max-width:1100px){
  .twocol{grid-template-columns:minmax(0,1fr) 300px;gap:32px}
  .navlinks a{padding:10px 8px;font-size:14px}
}
@media(max-width:900px){
  .menu-toggle{display:inline-block}
  .navlinks{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:12px var(--gutter) 20px;border-bottom:1px solid var(--line);box-shadow:0 18px 30px rgba(30,35,44,.12);max-height:calc(100vh - 140px);overflow-y:auto}
  .navlinks.open{display:flex}
  .navlinks a{padding:12px 4px;border-bottom:1px solid var(--line)}
  .navlinks a.btn{margin:14px 0 0;justify-content:center;border-bottom:2px solid var(--cta)}
  .has-drop>.dropmenu{display:block;position:static;box-shadow:none;border:0;padding:0 0 6px 14px;min-width:0}
  .dropmenu a{white-space:normal;font-weight:500}
  .dropmenu .dropgap{margin:0;padding-top:0;border-top:0}
  .has-drop>a{font-weight:700}
  .hero .wrap{grid-template-columns:1fr}
  .insurepanel{grid-template-columns:1fr}
  .cards,.why,.blogcards{grid-template-columns:repeat(2,minmax(0,1fr))}
  .steps{grid-template-columns:1fr 1fr;gap:26px 0}
  .steps:before{display:none}
  .areas{grid-template-columns:1fr 1fr}
  footer.site .wrap{grid-template-columns:1fr 1fr}
  .twocol{grid-template-columns:minmax(0,1fr)}
  .sidecard{position:static}
  .prep{grid-template-columns:1fr}
}
@media(max-width:760px){
  .sticky-cta{display:block}
  body{padding-bottom:62px}
  .floatcall{display:none}
  .topbar .wrap{flex-direction:column;gap:2px}
  .sec{padding:54px 0}
  .sec .sech,.sec h2,.article h2{font-size:27px}
  .ctaband h2{font-size:28px}
  .strip .wrap{flex-direction:column}
}
@media(max-width:560px){
  .cards,.why,.blogcards,.cards.two,.steps{grid-template-columns:minmax(0,1fr)}
  .areas{grid-template-columns:1fr 1fr}
  footer.site .wrap{grid-template-columns:1fr}
  .hero{padding:44px 0}
  .btn{padding:14px 22px}
  .logo-link img{height:44px}
}