:root{
  --ink:#0B1B2B;--navy:#122740;--navy2:#1B3857;--orange:#FF6A13;--orange-d:#E55500;
  --pale:#EAF2F9;--line:#D8E2EC;--muted:#4A5F74;--white:#fff;
  --r:14px;--r-s:8px;--wrap:1180px;
  --f-body:'Barlow','Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --f-head:'Barlow Condensed','Arial Narrow','Segoe UI',Roboto,Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--f-body);font-size:17px;line-height:1.68;color:var(--ink);background:var(--white)}
img,svg{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--f-head);letter-spacing:-.005em;line-height:1.14;color:var(--ink)}
a{color:#0B4F8A;text-underline-offset:3px}
a:hover{color:var(--orange-d)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:200}
.skip-link:focus{left:8px;top:8px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--orange);color:var(--ink);font-weight:700;font-size:16px;line-height:1.2;padding:15px 28px;text-decoration:none;border-radius:6px;border:2px solid var(--orange);transition:background .15s}
.btn:hover{background:#FF8440;color:var(--ink)}
.btn.alt{background:var(--ink);border-color:var(--ink);color:#fff}
.btn.alt:hover{background:var(--navy2);color:#fff}
.btn.ghost{background:#fff;border-color:var(--line);color:var(--ink)}
.btn.ghost:hover{border-color:var(--ink);color:var(--ink)}
.btn.small{font-size:14px;padding:11px 20px}
.btn.block{display:flex;width:100%}

/* top bar + nav */
.topbar{background:var(--navy);color:#EAF2F9;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;white-space:nowrap}
.topbar b{color:var(--orange)}
.site-nav{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.site-nav .wrap{display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px}
.logo{display:flex;align-items:center;text-decoration:none;flex:0 0 auto}
.logo img{display:block;width:auto;height:44px}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navitem{position:relative;list-style:none}
.navitem>a,.navitem>button{display:block;color:var(--ink);text-decoration:none;font:600 15px var(--f-body);padding:10px 12px;background:none;border:0;cursor:pointer;border-radius:6px}
.navitem>a:hover,.navitem>button:hover{color:var(--orange-d)}
.navitem.hasdrop>button:after{content:"";display:inline-block;margin-left:7px;border:4px solid transparent;border-top-color:currentColor;vertical-align:-2px}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 14px 34px rgba(11,27,43,.16);padding:8px;list-style:none;z-index:90}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;border-radius:6px}
.dropmenu a:hover{background:var(--pale);color:var(--ink)}
.navitem:hover>.dropmenu,.navitem:focus-within>.dropmenu{display:block}
.navcall{margin-left:8px}
.nav-toggle{display:none;background:none;border:2px solid var(--line);border-radius:8px;padding:8px 12px;font:700 14px var(--f-body);color:var(--ink);cursor:pointer}
.mobile-menu{display:none;background:#fff;border-top:1px solid var(--line);padding:10px 24px 20px;position:relative;z-index:60}
.mobile-menu.open{display:block}
.mobile-menu h2{font-size:14px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:14px 0 4px;font-family:var(--f-body)}
.mobile-menu ul{list-style:none}
.mobile-menu li{list-style:none}
.mobile-menu a{display:block;padding:10px 0;color:var(--ink);font-weight:600;text-decoration:none;border-bottom:1px solid var(--pale)}
.mobile-menu .btn{margin-top:14px}

/* hero + page heads */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--ink) 0%,var(--navy) 55%,#1E4C7A 100%)}
.hero{padding:72px 0 76px}
.pagehead{padding:54px 0 58px}
.hero:before,.pagehead:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(11,27,43,.9),rgba(11,27,43,.55))}
.hero.has-hero:before,.pagehead.has-hero:before{background:linear-gradient(90deg,rgba(11,27,43,.92) 0%,rgba(11,27,43,.78) 50%,rgba(11,27,43,.34) 100%)}
.hero.no-photo:before,.pagehead.no-photo:before{background:radial-gradient(circle at 85% 20%,rgba(255,106,19,.22),transparent 45%)}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1,.pagehead h1{color:#fff;font-size:clamp(32px,4.4vw,48px);margin-bottom:16px}
.pagehead h1{font-size:clamp(30px,3.9vw,42px);max-width:860px}
.hero p,.pagehead p{color:#E3EDF6;font-size:18px;max-width:640px;margin-bottom:22px}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--orange);color:var(--ink);font-weight:700;font-size:13px;padding:7px 15px;border-radius:100px;margin-bottom:18px;letter-spacing:.02em}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--ink)}
.badge-alt{background:#fff;color:var(--ink)}
.badge-alt:before{background:var(--orange)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 22px;flex-wrap:wrap;list-style:none;color:#E3EDF6;font-size:14.5px;font-weight:600}
.trustrow li{list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--orange)}
.crumbs{font-size:14px;color:#C9D8E6;margin-bottom:16px}
.crumbs a{color:#fff}
.crumbs span{opacity:.7;padding:0 6px}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:6px 0 20px}
.zip-chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.4);color:#fff;font-weight:700;font-size:14px;padding:4px 14px;border-radius:100px}
.zip-chip.primary{background:#fff;color:var(--ink)}
.panel{background:rgba(18,39,64,.92);border:1px solid rgba(255,255,255,.18);border-radius:var(--r);padding:28px;color:#fff}
.panel h2{color:#fff;font-size:22px;margin-bottom:12px}
.strow{display:flex;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:15.5px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--orange);font-family:var(--f-head);font-size:22px;line-height:1.1;min-width:24px}

/* strips and bands */
.strip{background:var(--pale);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:16px 24px;flex-wrap:wrap;gap:10px 18px}
.stripitem{font-weight:700;font-size:14.5px;display:flex;gap:8px;align-items:center}
.stripitem:before{content:"";width:10px;height:10px;border-radius:50%;background:var(--orange);flex:0 0 auto}
.emergency{background:var(--orange);color:var(--ink);padding:24px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:26px;color:var(--ink)}
.emergency p{font-size:15.5px;margin:0}

/* sections */
.sec{padding:72px 0;background:#fff}
.sec.alt{background:var(--pale)}
.kick{color:#9A3E00;font-weight:700;font-size:13px;letter-spacing:.12em;text-transform:uppercase}
.sec h2{font-size:36px;margin:8px 0 22px}
.sec h3{font-size:22px;margin:26px 0 8px}
.sec .lead{font-size:18.5px;color:var(--muted);max-width:760px}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul.plain,main ol.plain{margin:14px 0 14px 22px}
main ul.plain li,main ol.plain li{margin-bottom:6px}
.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 h3{font-size:21px;margin:0 0 8px}
.card p{font-size:15.5px;color:var(--muted)}
.card a.more{display:inline-block;margin-top:10px;font-weight:700;font-size:15px}
.card .tag{display:inline-block;background:var(--pale);color:var(--ink);font-weight:700;font-size:12px;letter-spacing:.06em;text-transform:uppercase;padding:3px 10px;border-radius:100px;margin-bottom:10px}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--r);padding:24px;text-align:center}
.whycard .num{width:44px;height:44px;background:var(--ink);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--f-head);font-weight:700;margin:0 auto 14px;font-size:20px}
.whycard h3{font-size:19px;margin:0 0 6px}
.whycard p{font-size:15px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.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(--orange);color:var(--ink);font-family:var(--f-head);font-weight:700;font-size:26px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{font-size:20px;margin:0 0 6px}
.step p{font-size:15px;color:var(--muted)}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);margin:18px 0}
.datatable{width:100%;border-collapse:collapse;min-width:560px;background:#fff}
.datatable caption{caption-side:top;text-align:left;font-family:var(--f-head);font-size:20px;font-weight:700;padding:14px 18px;background:#fff}
.datatable th{background:var(--navy);color:#fff;text-align:left;font-size:13px;letter-spacing:.06em;text-transform:uppercase;padding:13px 18px}
.datatable td{padding:14px 18px;border-top:1px solid var(--line);font-size:15.5px;vertical-align:top}
.datatable td:first-child{font-weight:700}
.insurepanel{background:var(--navy);color:#fff;border-radius:16px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:26px;align-items:center}
.insurepanel h3{font-size:26px;margin:0 0 8px;color:var(--orange)}
.insurepanel p{font-size:16px;color:#EAF2F9;max-width:640px}
.callout{background:var(--pale);border-left:5px solid var(--orange);border-radius:0 var(--r-s) var(--r-s) 0;padding:20px 24px;margin:22px 0}
.callout h3{font-size:21px;margin:0 0 8px}
.callout.danger{background:#FFF1E8}
.prepcards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:20px 0}
.prepcard{background:#fff;border:1px solid var(--line);border-top:4px solid var(--orange);border-radius:var(--r-s);padding:20px}
.prepcard h3{font-size:19px;margin:0 0 6px}
.prepcard p{font-size:15px;color:var(--muted)}
.localnote{background:#fff;border:1px solid var(--line);border-left:5px solid var(--navy);border-radius:var(--r-s);padding:22px 26px;margin:26px 0}
.localnote h2{font-size:26px;margin:0 0 10px}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.areas a{background:#fff;border:1px solid var(--line);padding:14px 16px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:16px;text-align:center}
.areas a:hover{border-color:var(--orange)}
.ctaband{background:var(--navy);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:40px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:18px;margin:0 auto 24px;max-width:640px;color:#EAF2F9}

/* two column */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.twocol>article{min-width:0}
main{overflow-wrap:break-word}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--navy);color:#fff;border-radius:var(--r);padding:26px}
.sidecard .kicker{color:var(--orange);font-weight:700;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase}
.sidecard h3{color:#fff;font-size:24px;margin:6px 0 8px}
.sidecard p{color:#E3EDF6;font-size:15px;margin-bottom:14px}
.sidecard ul{list-style:none;margin:16px 0}
.sidecard li{list-style:none;padding:7px 0 7px 26px;position:relative;font-size:15px;border-top:1px solid rgba(255,255,255,.14)}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--orange);font-weight:700}
.sidecard a.svc{color:#fff;font-weight:700;font-size:15px}
article h2{font-size:32px;margin:40px 0 0}
article h2:first-child{margin-top:0}
article h3{font-size:22px;margin:26px 0 0}
article .meta{font-size:14.5px;color:var(--muted);margin-bottom:18px}

/* FAQ */
.faq{margin-top:12px}
.faq details{border:1px solid var(--line);border-radius:var(--r-s);margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;font-size:17px;padding:16px 20px;list-style:none;position:relative;padding-right:46px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:18px;top:12px;font-size:24px;color:var(--orange-d);font-weight:700}
.faq details[open] summary:after{content:"\2212"}
.faq .ans{padding:0 20px 18px}

/* blog list */
.postgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.postcard{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;display:flex;flex-direction:column}
.postcard h2,.postcard h3{font-size:21px;margin:0 0 8px}
.postcard p{font-size:15px;color:var(--muted);flex:1}
.postcard a.more{margin-top:12px;font-weight:700}

/* map */
.mapsec{background:var(--pale);padding:48px 0}
.mapsec h2{font-size:30px;margin-bottom:6px}
.mapsec p{color:var(--muted);margin-bottom:16px}
.mapframe{width:100%;height:380px;border:0;border-radius:var(--r);display:block;background:#dfe8f0}
.mapframe.small{height:320px}
.locmap{margin:26px 0}

/* footer */
.site-footer{background:var(--ink);color:#C9D8E6;padding:54px 0 40px;font-size:15px}
.site-footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:32px}
.site-footer h2,.site-footer h3{color:#fff;font-size:19px;margin-bottom:12px;font-family:var(--f-head)}
.site-footer a{color:#C9D8E6;text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer address{font-style:normal;line-height:1.6}
.site-footer .footlogo img{height:46px;width:auto;margin-bottom:14px}
.site-footer p+p{margin-top:10px}
.footbase{background:#07121D;color:#9FB3C6;font-size:13.5px;padding:16px 0;text-align:center}
.footbase p{margin:0}

/* sticky call */
.sticky-bar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);z-index:70;padding:10px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.2)}
.sticky-bar a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:16px;text-decoration:none;background:var(--orange);color:var(--ink);border-radius:8px;padding:12px}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--orange);color:var(--ink);display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 8px 22px rgba(11,27,43,.35);z-index:70}
.floatcall:hover{background:#FF8440;color:var(--ink)}

/* legal text */
.legal h2{font-size:26px;margin:30px 0 0}

@media(max-width:1100px){.navitem>a,.navitem>button{padding:10px 8px;font-size:14.5px}}
@media(max-width:900px){
  .navlinks{display:none}
  .nav-toggle{display:block}
  .hero .wrap{grid-template-columns:1fr}
  .hero{padding:48px 0 52px}
  .cards,.postgrid{grid-template-columns:1fr 1fr}
  .why{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;row-gap:28px}
  .steps:before{display:none}
  .areas{grid-template-columns:1fr 1fr}
  .prepcards{grid-template-columns:1fr}
  .insurepanel{grid-template-columns:1fr}
  .twocol{grid-template-columns:minmax(0,1fr)}
  .sidecard{position:static}
  .site-footer .wrap{grid-template-columns:1fr 1fr}
  .sticky-bar{display:block}
  .floatcall{display:none}
  body{padding-bottom:70px}
  .sec{padding:52px 0}
  .sec h2{font-size:30px}
}
@media(max-width:600px){
  body{font-size:16px}
  .wrap{padding:0 18px}
  .cards,.postgrid,.why,.steps,.areas,.site-footer .wrap{grid-template-columns:1fr}
  .topbar .wrap{justify-content:center;text-align:center}
  .logo img{height:38px}
  .ctaband h2{font-size:30px}
  .emergency h2{font-size:23px}
  .emergency .btn,.cta-row .btn{width:100%}
  .mapframe{height:300px}
}

/* photos: figures and card thumbnails */
.figure{margin:28px 0;border-radius:var(--r);overflow:hidden;border:1px solid var(--line);background:var(--pale)}
.figure img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.card.hasimg{padding:0;overflow:hidden}
.card .cardimg{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;background:var(--pale)}
.card .cardbody{padding:22px 26px 26px}
@media (max-width:900px){
  .hero.has-hero:before,.pagehead.has-hero:before{background:linear-gradient(180deg,rgba(11,27,43,.86),rgba(11,27,43,.74))}
}
.has-hero h1,.has-hero p,.has-hero .crumbs,.has-hero .trustrow li{text-shadow:0 1px 14px rgba(11,27,43,.55)}