:root{
  --ink:#0F2A3D;--teal:#0AA6A6;--deep:#087F7F;--coral:#C8402F;--coral-hover:#A93324;
  --soft:#F4FBFB;--line:#E3EEEE;--muted:#5C7079;--white:#fff;
  --fh:'Plus Jakarta Sans',Arial,Helvetica,sans-serif;--fb:'DM Sans',Arial,Helvetica,sans-serif;
  --r:14px;--wrapw:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--fb);font-size:16.5px;color:var(--ink);background:var(--white);line-height:1.68;-webkit-text-size-adjust:100%}
img,svg,iframe{max-width:100%}
h1,h2,h3,h4{font-family:var(--fh);letter-spacing:-.01em;line-height:1.22;color:var(--ink)}
a{color:var(--deep)}
.wrap{max-width:var(--wrapw);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px;z-index:200;text-decoration:none;font-weight:700}
.skip:focus{left:12px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--coral);color:#fff;font-family:var(--fb);font-weight:700;font-size:16px;line-height:1.2;padding:15px 28px;text-decoration:none;border-radius:100px;box-shadow:0 8px 20px rgba(200,64,47,.28);border:2px solid transparent;cursor:pointer;text-align:center}
.btn:hover{background:var(--coral-hover)}
.btn.alt{background:var(--deep);box-shadow:0 8px 20px rgba(8,127,127,.28)}
.btn.alt:hover{background:#066666}
.btn.light{background:#fff;color:var(--ink);box-shadow:none}
.btn.light:hover{background:var(--soft)}
.btn.ghost{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--soft)}
.btn.small{font-size:14px;padding:11px 20px}
.btn.block{display:flex;width:100%}
a:focus-visible,button:focus-visible{outline:3px solid #FFB84D;outline-offset:2px}

/* top bar and header */
.topbar{background:var(--deep);color:#fff;font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar a:hover{text-decoration:underline}
.site-header{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}
.logo{display:flex;align-items:center;flex-shrink:0}
.logo img{display:block;height:44px;width:auto}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a,.navlinks>li>button{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;display:inline-flex;align-items:center;gap:5px;background:none;border:0;font-family:var(--fb);cursor:pointer;border-radius:8px}
.navlinks>li>a:hover,.navlinks>li>button:hover{color:var(--deep);background:var(--soft)}
.navlinks .caret{font-size:10px}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 30px rgba(15,42,61,.14);padding:8px;list-style:none;z-index:80}
.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(--soft);color:var(--deep)}
.dropmenu .dm-sep{border-top:1px solid var(--line);margin:6px 0}
.navlinks>li:hover>.dropmenu,.navlinks>li:focus-within>.dropmenu{display:block}
.menu-btn{display:none;background:var(--soft);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}
.menu-btn 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:10px 0 20px}
.mobile-menu.open{display:block}
.mobile-menu h2{font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:var(--deep);margin:14px 0 4px}
.mobile-menu ul{list-style:none}
.mobile-menu a{display:block;padding:11px 4px;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.mobile-menu .btn{margin-top:16px;color:#fff;border-bottom:0}

/* hero */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,#0F2A3D 0%,#0B5C66 55%,#087F7F 100%);overflow:hidden}
.hero{padding:64px 0}
.pagehead{padding:46px 0 50px}
.hero .hero-bg,.pagehead .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero.has-hero:before,.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(135deg,rgba(15,42,61,.9),rgba(8,127,127,.72));z-index:-1}
.hero h1,.pagehead h1{color:#fff}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1{font-size:clamp(30px,4.4vw,44px);margin-bottom:16px}
.pagehead h1{font-size:clamp(27px,3.8vw,38px);margin-bottom:12px;max-width:860px}
.hero p.lead,.pagehead p.lead{font-size:18px;max-width:640px;margin-bottom:22px;color:#fff}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);color:#fff;font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:16px;border:1px solid rgba(255,255,255,.35)}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:#FFB84D}
.badge.badge-alt{background:#fff;color:var(--ink);border-color:#fff}
.badge.badge-alt:before{background:var(--coral)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:20px}
.trustrow{display:flex;gap:10px 20px;flex-wrap:wrap;font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:#FFB84D}
.statpanel{background:#fff;color:var(--ink);border-radius:var(--r);padding:26px 28px;box-shadow:0 18px 40px rgba(0,0,0,.22)}
.statpanel h2{font-size:15px;color:var(--deep);margin-bottom:10px;text-transform:uppercase;letter-spacing:.08em}
.strow{display:flex;justify-content:space-between;gap:12px;padding:12px 0;border-bottom:1px solid var(--line);font-size:14.5px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--deep);font-family:var(--fh);font-size:16px;text-align:right}
.crumbs{font-size:13.5px;margin-bottom:14px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"/";margin-right:6px;color:#fff}
.crumbs a{color:#fff;text-decoration:underline}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px;list-style:none}
.zip-chip{display:inline-block;background:#fff;color:var(--ink);font-weight:700;font-size:13.5px;padding:6px 14px;border-radius:100px}
.zips-label{font-size:13px;font-weight:700;margin-bottom:8px;color:#fff}

/* strip and bands */
.strip{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:16px 24px;flex-wrap:wrap;gap:10px 18px;list-style:none}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{color:var(--deep);font-size:17px}
.emergency{background:var(--coral);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:#fff}
.emergency .btn{background:var(--deep);box-shadow:none}
.emergency .btn:hover{background:#066666}
.ctaband{background:var(--deep);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:#fff;max-width:640px}
.ctaband .btn{background:var(--coral)}

/* sections */
.sec{padding:72px 0;background:#fff}
.sec.soft{background:var(--soft)}
.kick{color:var(--deep);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.sec-title{font-size:34px;margin:10px 0 28px}
.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(--soft);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:18px;margin-bottom:8px}
.card p{font-size:15px;color:var(--muted);margin-bottom:12px}
.card a.more{color:var(--deep);font-weight:700;font-size:14.5px;text-decoration:none}
.card a.more:hover{text-decoration:underline}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--r);padding:24px;text-align:center;border:1px solid var(--line)}
.whycard .num{width:44px;height:44px;background:var(--deep);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--fh);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(--muted)}
.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(--coral);color:#fff;font-family:var(--fh);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(--deep);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr;gap:24px;align-items:center}
.insurepanel h3{font-size:24px;margin-bottom:8px;color:#fff}
.insurepanel p{font-size:15.5px;color:#fff;max-width:620px}
.insurepanel .btn{background:var(--coral)}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;list-style:none}
.areas a{display:block;background:#fff;padding:14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px;text-align:center;border:1px solid var(--line)}
.areas a:hover{background:var(--soft);color:var(--deep)}

/* tables */
.tablewrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:var(--r)}
.ptable{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
.ptable caption{caption-side:top;text-align:left;padding:12px 18px;font-weight:700;background:var(--soft);font-family:var(--fh)}
.ptable th{background:var(--deep);color:#fff;text-align:left;padding:13px 18px;font-size:13px;text-transform:uppercase;letter-spacing:.05em}
.ptable td{padding:13px 18px;border-top:1px solid var(--line);vertical-align:top}
.ptable td:first-child{font-weight:700}

/* article layout */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
article h2{font-size:28px;margin:44px 0 14px}
article>h2:first-child,article>section:first-child h2:first-child{margin-top:0}
article h3{font-size:20px;margin:26px 0 8px}
main p+p{margin-top:14px}
article h2+p,article h3+p{margin-top:14px}
article p{max-width:74ch}
article ul.bul,article ol.bul{margin:14px 0 14px 22px}
article ul.bul li,article ol.bul li{margin-bottom:8px;padding-left:4px}
article .after{margin-top:14px}
.cardgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:22px 0}
.minicard{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);padding:18px 20px}
.minicard h3{font-size:16.5px;margin:0 0 6px}
.minicard p{font-size:15px;margin:0;color:var(--ink)}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:22px 0}
.prepcard{background:#fff;border:2px solid var(--line);border-left:6px solid var(--coral);border-radius:var(--r);padding:16px 18px}
.prepcard h3{font-size:16.5px;margin:0 0 6px}
.prepcard p{font-size:15px;margin:0}
.localnote{background:var(--soft);border:1px solid var(--line);border-left:6px solid var(--deep);border-radius:var(--r);padding:24px 26px;margin:40px 0}
.localnote h2{font-size:22px;margin:0 0 10px}
.callband{background:var(--ink);color:#fff;border-radius:var(--r);padding:22px 26px;margin:36px 0;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.callband p{color:#fff;font-weight:700;font-size:17px;margin:0;max-width:none;font-family:var(--fh)}
.callband .btn{background:var(--coral)}
.byline{font-size:14px;color:var(--muted);margin:0 0 20px}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-top:6px solid var(--coral);border-radius:var(--r);padding:24px;box-shadow:0 12px 30px rgba(15,42,61,.1)}
.sidecard .kick{display:block;margin-bottom:6px}
.sidecard h2{font-size:20px;margin-bottom:8px}
.sidecard p{font-size:15px;color:var(--muted);margin-bottom:14px}
.sidecard ul{list-style:none;margin:16px 0}
.sidecard li{padding:7px 0 7px 26px;position:relative;font-size:14.5px;font-weight:600;border-top:1px solid var(--line)}
.sidecard li:before{content:"\2713";position:absolute;left:2px;color:var(--deep);font-weight:800}
.sidecard .sidelink{font-size:14.5px}

/* faq */
.faq{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:16px 52px 16px 18px;font-family:var(--fh);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:18px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--deep);font-weight:400}
.faq-q[aria-expanded="true"]:after{content:"\2212"}
.faq-a{padding:0 18px 16px}
.js .faq-a{max-height:0;overflow:hidden;padding:0 18px;transition:max-height .25s ease}
.js .faq-item.open .faq-a{padding-bottom:16px}
.faq-a p{font-size:15.5px}

/* blog cards */
.blogcards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.blogcard{border:1px solid var(--line);border-radius:var(--r);background:#fff;padding:0;overflow:hidden;display:flex;flex-direction:column}
.blogcard .bc-top{background:linear-gradient(135deg,#0F2A3D,#087F7F);color:#fff;padding:18px 20px;font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.1em}
.blogcard .bc-body{padding:20px;display:flex;flex-direction:column;gap:10px;flex:1}
.blogcard h3{font-size:18px}
.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h3 a:hover{color:var(--deep)}
.blogcard p{font-size:15px;color:var(--muted)}
.blogcard .more{margin-top:auto;font-weight:700;font-size:14.5px}

/* map */
.mapsec{background:var(--soft);padding:48px 0;border-top:1px solid var(--line)}
.mapsec h2{font-size:26px;margin-bottom:6px}
.mapsec p{margin-bottom:16px;color:var(--muted)}
.mapframe{width:100%;height:380px;border:0;border-radius:var(--r);display:block;background:var(--line)}
.mapframe.tall{height:340px}
.mapblock{margin:30px 0}
.mapblock h2{font-size:22px;margin:0 0 10px}

/* footer */
footer{background:var(--ink);color:#fff;padding:54px 0 26px;font-size:15px}
footer .fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
footer .flogo img{height:46px;width:auto;display:block;margin-bottom:14px}
footer h2{color:#fff;font-size:15px;margin-bottom:12px;text-transform:uppercase;letter-spacing:.08em}
footer a{color:#fff;text-decoration:none;display:block;margin-bottom:8px;opacity:.92}
footer a:hover{text-decoration:underline;opacity:1}
footer address{font-style:normal;margin-bottom:10px}
footer .legal{margin-top:34px;padding-top:18px;border-top:1px solid rgba(255,255,255,.2);font-size:13.5px}
footer ul{list-style:none}

/* sticky call controls */
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--deep);z-index:90;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:16px;text-decoration:none}
.fab{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--coral);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(200,64,47,.4);z-index:90}
.fab:hover{background:var(--coral-hover)}

/* legal and 404 */
.prose{max-width:820px}
.prose h2{font-size:24px;margin:34px 0 10px}
.notfound{text-align:center;padding:90px 0}
.notfound h1{font-size:46px;margin-bottom:12px}

@media(max-width:900px){
  .navlinks{display:none}
  .menu-btn{display:flex}
  .navbar{height:70px}
  .logo img{height:40px}
  .hero .wrap,.insurepanel,.twocol{grid-template-columns:1fr}
  .twocol{gap:30px}
  .sidecard{position:static}
  .hero{padding:44px 0}
  .cards,.why,.blogcards{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;gap:24px 0}
  .steps:before{display:none}
  .areas{grid-template-columns:1fr 1fr}
  footer .fgrid{grid-template-columns:1fr 1fr}
  .stickybar{display:block}
  .fab{display:none}
  body{padding-bottom:64px}
  .topbar .wrap{justify-content:center;text-align:center}
  .sec{padding:54px 0}
  .ctaband h2{font-size:28px}
}
@media(max-width:600px){
  .cards,.why,.blogcards,.cardgrid,.prepcards,footer .fgrid,.steps{grid-template-columns:1fr}
  .wrap{padding:0 16px}
  article h2{font-size:24px}
  .sec h2.sec-title{font-size:28px}
  .callband{flex-direction:column;align-items:flex-start}
  .callband .btn{width:100%}
  .cta-row .btn{width:100%}
  .insurepanel{padding:24px 20px}
  .localnote{padding:20px 18px}
  .mapframe{height:300px}
}
.narrow{max-width:860px}
article .faq-h{margin:0;font-size:inherit}
.sec .wrap>.prose{margin:0}
.strip ul,ul.strip{list-style:none}
.hamburger{-webkit-tap-highlight-color:transparent}
.sticky-bar{z-index:90}
.twocol>*{min-width:0}
.twocol .areas{grid-template-columns:1fr 1fr}
footer,.prose,.crumbs,.localnote,.card,.minicard,.prepcard{overflow-wrap:anywhere}
.callband p{min-width:0}
.ptable td:first-child{min-width:120px}
a[href^="mailto:"]{overflow-wrap:anywhere}
article p,.sec p{overflow-wrap:break-word}

.fig{margin:24px 0}
.fig img{display:block;width:100%;height:auto;border-radius:var(--r);background:var(--soft)}
.card .card-img{display:block;width:calc(100% + 52px);max-width:none;margin:-26px -26px 18px;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:var(--r) var(--r) 0 0}
.blogcard .bc-img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}