:root{--ink:#1E2A33;--steel:#5C7C93;--steel-text:#47697F;--deep:#41627A;--deeper:#2F4A5E;--copper:#A84F25;--copper-hi:#8E3F1A;--light:#EFF4F7;--line:#DCE5EA;--muted:#4F5A63;--soft:#DCE5EA;--white:#fff;--r:14px;--fh:'Sora',Arial,sans-serif;--fb:'Source Sans 3',Arial,sans-serif}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--fb);font-size:17px;color:var(--ink);background:var(--white);line-height:1.65}
h1,h2,h3,h4{font-family:var(--fh);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
img{max-width:100%;height:auto}
a{color:var(--deep)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--copper);color:#fff;font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:8px;box-shadow:0 10px 22px rgba(168,79,37,.28);border:2px solid var(--copper);cursor:pointer}
.btn:hover,.btn:focus-visible{background:var(--copper-hi);border-color:var(--copper-hi)}
.btn.alt{background:#fff;color:var(--ink);border-color:#fff;box-shadow:none}
.btn.alt:hover{background:var(--light)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--steel)}
.btn.sm{font-size:14px;padding:11px 20px}
.topbar{background:var(--deep);color:#fff;font-size:14px;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}
header.site{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
header.site .wrap{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;width:230px;height:44px}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a{display:block;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:26px 11px}
.navlinks>li>a:hover,.navlinks>li>a:focus-visible{color:var(--deep)}
.navlinks li.has-drop>a:after{content:" \25BE";font-size:11px}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:0 0 12px 12px;box-shadow:0 18px 34px rgba(30,42,51,.14);list-style:none;padding:8px 0;z-index:80}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:10px 20px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px}
.dropmenu a:hover,.dropmenu a:focus-visible{background:var(--light);color:var(--deep)}
.has-drop:hover>.dropmenu,.has-drop:focus-within>.dropmenu{display:block}
.navcall{margin-left:8px}
.menu-toggle{display:none;background:#fff;border:2px solid var(--line);border-radius:8px;width:46px;height:44px;cursor:pointer;font-size:22px;line-height:1;color:var(--ink)}
.crumbs{font-size:14px;margin-bottom:14px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li:not(:last-child):after{content:"/";margin-left:6px;color:#DCE5EA}
.crumbs a{color:#fff}
.crumbs span{color:#DCE5EA}
.pagehead{background:linear-gradient(135deg,var(--deep) 0%,var(--deeper) 100%);color:#fff;padding:56px 0 52px;position:relative;isolation:isolate;overflow:hidden}
.pagehead h1{color:#fff;font-size:clamp(30px,4vw,40px);margin-bottom:12px;max-width:860px}
.pagehead p.sub{font-size:18px;color:#fff;max-width:760px;margin-bottom:22px}
.pagehead .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(23,38,50,.9),rgba(23,38,50,.55));z-index:-1}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--light);color:var(--deeper);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:var(--copper);color:#fff}
.badge.alt:before{background:#fff}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px}
.zip-chip{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.5);color:#fff;font-weight:700;font-size:14px;padding:5px 14px;border-radius:100px}
.hero{background:#fff;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}
.hero h1{font-size:clamp(32px,4.2vw,44px);margin-bottom:16px}
.hero h1 span{color:var(--steel-text)}
.hero p.lead{color:var(--muted);font-size:18px;max-width:520px;margin-bottom:24px}
.hero .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(23,38,50,.92),rgba(23,38,50,.6));z-index:-1}
.hero.has-hero h1,.hero.has-hero h1 span,.hero.has-hero p.lead,.hero.has-hero .trustrow{color:#fff}
.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:14.5px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--steel-text)}
.statpanel{background:var(--deep);color:#fff;border-radius:var(--r);padding:28px}
.statpanel h2{font-size:19px;color:#fff;margin-bottom:12px}
.statpanel ol{list-style:none;counter-reset:s}
.statpanel li{counter-increment:s;padding:12px 0 12px 44px;border-bottom:1px solid rgba(255,255,255,.2);position:relative;font-size:15.5px}
.statpanel li:last-child{border-bottom:none}
.statpanel li:before{content:counter(s);position:absolute;left:0;top:11px;width:30px;height:30px;border-radius:50%;background:#fff;color:var(--deeper);font-family:var(--fh);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:14px}
.strip{background:var(--light);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{font-weight:700;font-size:14.5px;color:var(--ink)}
.stripitem:before{content:"\25C6\00a0";color:var(--steel-text)}
.emergency{background:var(--copper);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}
.sec{padding:72px 0;background:#fff}
.sec.tint{background:var(--light)}
.kick{color:var(--deep);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.big{font-size:34px;margin:10px 0 30px}
.prose-wide{max-width:900px;margin:0 auto}
.proseh{max-width:900px}
.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{margin-top:0}
article h3{font-size:20px;margin:26px 0 8px}
main p + p{margin-top:14px}
main h2 + p,main h3 + p{margin-top:14px}
article p,article li{line-height:1.7}
article a,.faq a,.localnote a{color:var(--deep);font-weight:600}
article ul,article ol{margin:14px 0 14px 22px}
article li{margin-bottom:8px}
article ol.steps{counter-reset:st;list-style:none;margin-left:0}
article ol.steps li{counter-increment:st;position:relative;padding:14px 16px 14px 56px;background:var(--light);border-radius:12px;margin-bottom:10px}
article ol.steps li:before{content:counter(st);position:absolute;left:14px;top:13px;width:30px;height:30px;border-radius:50%;background:var(--deep);color:#fff;font-family:var(--fh);font-weight:700;display:flex;align-items:center;justify-content:center;font-size:14px}
.tablewrap{overflow-x:auto;margin:20px 0;border:1px solid var(--line);border-radius:12px}
.tablewrap table{width:100%;border-collapse:collapse;min-width:520px;font-size:15.5px}
.tablewrap th{background:var(--deep);color:#fff;text-align:left;padding:12px 16px;font-family:var(--fh);font-size:13px;text-transform:uppercase;letter-spacing:.04em}
.tablewrap td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
.tablewrap tr:nth-child(even) td{background:var(--light)}
.callout{background:#FBF1EA;border-left:5px solid var(--copper);padding:16px 20px;border-radius:0 12px 12px 0;margin:20px 0;color:var(--ink)}
.midcta{background:var(--deep);color:#fff;border-radius:var(--r);padding:24px 28px;margin:34px 0;display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.midcta p{margin:0 !important;font-weight:700;font-size:18px;color:#fff}
.localnote{background:var(--light);border:1px solid var(--line);border-radius:var(--r);padding:26px 28px;margin:40px 0}
.localnote h2{margin-top:0 !important}
.infocards,.prepcards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:26px 0}
.prepcards{grid-template-columns:repeat(2,1fr)}
.infocard,.prepcard{border:1px solid var(--line);border-radius:12px;padding:20px;background:#fff}
.prepcard{border-top:4px solid var(--copper);background:#fff}
.infocard h3,.prepcard h3{font-size:17px;margin:0 0 8px}
.infocard p,.prepcard p{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:var(--r);padding:26px;box-shadow:0 14px 30px rgba(30,42,51,.08)}
.sidecard .kick{display:block;margin-bottom:8px}
.sidecard h3{font-size:20px;margin-bottom:8px}
.sidecard p{font-size:15.5px;margin-bottom:16px;color:var(--muted)}
.sidecard .btn{width:100%}
.sidecard ul{list-style:none;margin:18px 0 0}
.sidecard li{font-size:15px;padding:7px 0 7px 26px;position:relative;border-top:1px solid var(--line)}
.sidecard li:before{content:"\2713";position:absolute;left:2px;color:var(--deep);font-weight:700}
.sidecard .more{display:block;margin-top:14px;font-weight:700;font-size:15px}
.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(--light);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.card .ic svg{width:26px;height:26px;stroke:var(--deep);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-size:18px;margin-bottom:8px}
.card p{font-size:15.5px;color:var(--muted);margin-bottom:12px}
.card a.more{color:var(--deep);font-weight:700;font-size:15px;text-decoration:none}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:var(--light);border-radius:var(--r);padding:24px;text-align:center}
.sec.tint .whycard{background:#fff}
.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:15.5px;color:var(--muted)}
.steps4{display:grid;grid-template-columns:repeat(4,1fr);position:relative}
.steps4: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(--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:15.5px;color:var(--muted)}
.insurepanel{background:var(--deep);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:#fff}
.insurepanel p{font-size:16px;color:#fff;max-width:620px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}
.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{border-color:var(--steel)}
.faq{margin:34px 0}
.faq details{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:16px 20px;font-family:var(--fh);font-size:16px;list-style:none;position:relative;padding-right:48px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:18px;top:12px;font-size:24px;color:var(--deep)}
.faq details[open] summary:after{content:"\2212"}
.faq .ans{padding:0 20px 18px}
.ctaband{background:var(--deeper);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{font-size:34px;margin-bottom:10px;color:#fff}
.ctaband p{font-size:18px;margin-bottom:22px;color:#fff}
.byline{font-size:14.5px;color:var(--muted);margin-bottom:22px}
.bloglist{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.blogcard{border:1px solid var(--line);border-radius:var(--r);padding:0;background:#fff;overflow:hidden}
.blogcard .bh{background:linear-gradient(135deg,var(--deep),var(--deeper));height:8px}
.blogcard .bb{padding:22px}
.blogcard h2{font-size:18px;margin-bottom:8px}
.blogcard h2 a{text-decoration:none;color:var(--ink)}
.blogcard p{font-size:15.5px;color:var(--muted)}
.mapsec{background:var(--light);padding:44px 0}
.mapsec h2{font-size:24px;margin-bottom:6px}
.mapsec p{margin-bottom:16px;color:var(--muted)}
.mapframe{width:100%;height:360px;border:0;border-radius:var(--r);display:block}
.locmap{margin:34px 0}
.locmap .mapframe{height:320px}
footer.site{background:#1B2830;color:#DCE5EA;padding:52px 0 28px;font-size:15px}
footer.site .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
footer.site h2.foot-h{color:#fff;font-size:16px;margin-bottom:12px}
footer.site a{color:#DCE5EA;text-decoration:none;display:block;margin-bottom:8px}
footer.site a:hover{color:#fff;text-decoration:underline}
footer.site address{font-style:normal;line-height:1.7}
footer.site .legal{grid-column:1/-1;border-top:1px solid #3A4A55;padding-top:18px;font-size:14px}
.sticky-cta{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)}
.sticky-cta a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:16px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--copper);display:flex;align-items:center;justify-content:center;box-shadow:0 10px 24px rgba(0,0,0,.25);z-index:85;text-decoration:none}
.floatcall svg{width:26px;height:26px;fill:#fff}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:clamp(30px,4.2vw,44px);margin-bottom:14px}
@media(max-width:900px){
.hero .wrap,.insurepanel{grid-template-columns:1fr}
.twocol{grid-template-columns:minmax(0,1fr)}
.cards,.why,.bloglist,.infocards{grid-template-columns:1fr 1fr}
.steps4{grid-template-columns:1fr 1fr;row-gap:28px}.steps4:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.sidecard{position:static}
footer.site .wrap{grid-template-columns:1fr 1fr}
.menu-toggle{display:block}
.navlinks{display:none;position:absolute;top:78px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 18px;border-top:1px solid var(--line);box-shadow:0 18px 30px rgba(30,42,51,.14);max-height:calc(100vh - 140px);overflow-y:auto}
.navlinks.open{display:flex}
.navlinks>li>a{padding:13px 4px;border-bottom:1px solid var(--line)}
.navlinks li.has-drop>a:after{content:""}
.dropmenu{display:block;position:static;border:0;box-shadow:none;padding:0 0 0 14px;min-width:0}
.navcall{display:none}

.floatcall{display:none}
.sticky-cta{display:block}
body{padding-bottom:64px}
}
@media(max-width:600px){
.cards,.why,.bloglist,.infocards,.prepcards{grid-template-columns:1fr}
.steps4{grid-template-columns:1fr}
footer.site .wrap{grid-template-columns:1fr}
.logo img{width:200px;height:38px}
.sec{padding:52px 0}
.pagehead{padding:40px 0}
.wrap{padding:0 16px}
.midcta{padding:20px}
}

.mobile-menu{list-style:none}
.nav-open{-webkit-tap-highlight-color:transparent}

.twocol>article{min-width:0}
article,.proseh,.prose-wide{overflow-wrap:anywhere}

.bthumb{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}