:root{--ink:#12233B;--deep:#083A7A;--blue:#0A4DA2;--amber:#FFB81C;--amber-d:#E6A200;--pale:#EEF5FD;--line:#D9E4F1;--muted:#51637C;--white:#fff;--r:14px;--wrap:1180px;--fh:'Figtree',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);color:var(--ink);background:var(--white);line-height:1.65;font-size:17px}
h1,h2,h3,h4{font-family:var(--fh);letter-spacing:-.01em;line-height:1.2}
img{max-width:100%;height:auto}
a{color:var(--blue)}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--ink);padding:10px 16px;z-index:100;font-weight:700}
.skip:focus{left:8px;top:8px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--amber);color:var(--ink);font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:8px;box-shadow:0 4px 14px rgba(255,184,28,.4);border:0;cursor:pointer;font-family:var(--fb)}
.btn:hover{background:var(--amber-d)}
.btn.alt{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(10,77,162,.3)}
.btn.alt:hover{background:var(--deep)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.sm{font-size:14px;padding:11px 20px}
.topbar{background:var(--deep);color:#CFE0F5;font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--amber);font-weight:700;text-decoration:none}
.site-header{position:relative;z-index:40;background:#fff;box-shadow:0 1px 0 var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;text-decoration:none;flex:0 0 auto}
.logo img{display:block;width:290px;height:46px}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a,.navlinks>li>button.navbtn{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;background:none;border:0;cursor:pointer;font-family:var(--fb);display:block}
.navlinks>li>a:hover,.navlinks>li>button.navbtn:hover{color:var(--blue)}
.dropmenu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 40px rgba(18,35,59,.16);padding:18px;z-index:60;list-style:none}
.has-drop:hover>.dropmenu,.has-drop:focus-within>.dropmenu,.has-drop.open>.dropmenu{display:block}
.dropmenu.mega{width:760px;left:50%;transform:translateX(-62%);grid-template-columns:repeat(3,1fr);gap:18px}
.has-drop:hover>.dropmenu.mega,.has-drop:focus-within>.dropmenu.mega,.has-drop.open>.dropmenu.mega{display:grid}
.dropmenu.slim{width:250px}
.dropmenu li{list-style:none}
.dropmenu h2{font-size:12px;text-transform:uppercase;letter-spacing:.09em;color:var(--deep);margin-bottom:6px}
.dropmenu a{display:block;color:var(--ink);text-decoration:none;font-size:14px;padding:4px 0;font-weight:500}
.dropmenu a:hover{color:var(--blue)}
.dropmenu .toprow{grid-column:1/-1;border-bottom:1px solid var(--line);padding-bottom:10px;margin-bottom:2px}
.dropmenu .toprow a{display:inline-block;margin-right:16px;font-weight:700;color:var(--blue)}
.menubtn{display:none;background:var(--pale);border:1px solid var(--line);border-radius:8px;width:44px;height:44px;cursor:pointer;font-size:22px;color:var(--ink)}
.pagehead,.hero{position:relative;isolation:isolate;background:linear-gradient(135deg,#083A7A 0%,#0A4DA2 100%);color:#fff}
.pagehead{padding:52px 0 46px}
.hero{padding:70px 0}
.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(90deg,rgba(6,26,54,.9),rgba(8,58,122,.68));z-index:-1}
.crumbs{font-size:13.5px;color:#CFE0F5;margin-bottom:14px}
.crumbs a{color:#fff}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--amber);color:var(--ink);font-weight:700;font-size:13px;padding:7px 15px;border-radius:100px;margin-bottom:16px}
.badge:before{content:"\25CF";color:var(--deep);font-size:10px}
.badge.alt{background:#fff;color:var(--deep)}
.pagehead h1{font-size:clamp(28px,3.8vw,40px);max-width:860px;margin-bottom:12px}
.pagehead p.sub{font-size:18px;color:#E3EEFB;max-width:720px;margin-bottom:22px}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.hero h1{font-size:clamp(32px,4.4vw,46px);margin-bottom:16px}
.hero h1 span{color:var(--amber)}
.hero p.sub{font-size:18px;color:#E3EEFB;max-width:520px;margin-bottom:24px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:20px}
.trustrow{display:flex;gap:18px;flex-wrap:wrap;color:#E3EEFB;font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713  ";color:var(--amber)}
.statpanel{background:rgba(8,38,82,.82);border:1px solid rgba(255,255,255,.18);border-radius:var(--r);padding:26px;color:#fff}
.statpanel h2{font-size:15px;color:#CFE0F5;margin-bottom:12px;font-weight:600}
.strow{display:flex;justify-content:space-between;gap:12px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:14.5px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--amber);font-family:var(--fh);font-size:16px;text-align:right}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:6px}
.zip-chip{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.4);color:#fff;font-weight:700;font-size:13.5px;padding:5px 13px;border-radius:100px}
.strip{background:var(--pale);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}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem i{font-style:normal;color:var(--blue);font-size:18px}
.emergency{background:var(--amber);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:15px}
.emergency .btn{background:var(--deep);color:#fff;box-shadow:none}
.sec{padding:70px 0;background:#fff}
.sec.tint{background:var(--pale)}
.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}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;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}
article h2+p,article h3+p{margin-top:14px}
article ul,article ol{margin:14px 0 14px 22px}
article li{margin-bottom:7px}
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-top:5px solid var(--amber);border-radius:var(--r);padding:24px;box-shadow:0 10px 30px rgba(18,35,59,.08)}
.sidecard .k{font-size:12.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--deep);margin-bottom:6px}
.sidecard h3{font-size:20px;margin-bottom:8px}
.sidecard p{font-size:15px;color:var(--muted);margin-bottom:14px}
.sidecard .btn{width:100%;justify-content:center}
.sidecard ul{list-style:none;margin:16px 0}
.sidecard li{font-size:14.5px;padding:5px 0 5px 24px;position:relative;margin:0}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--blue);font-weight:700}
.sidecard .more{font-size:14.5px;font-weight:700}
.callout{background:var(--pale);border-left:5px solid var(--blue);border-radius:10px;padding:18px 22px;margin:22px 0}
.callout.warn{background:#FFF7E0;border-left-color:var(--amber-d)}
.callout h3{margin:0 0 6px;font-size:18px}
.callout p{font-size:16px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:22px 0}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.card h3{font-size:17.5px;margin:0 0 8px}
.card p{font-size:15px;color:var(--muted)}
.card .ic{width:44px;height:44px;border-radius:12px;background:var(--pale);display:flex;align-items:center;justify-content:center;font-size:21px;margin-bottom:12px}
.card a.cl{font-weight:700;text-decoration:none}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:22px 0;counter-reset:s;list-style:none}
.steps li{background:var(--pale);border-radius:var(--r);padding:20px;margin:0;counter-increment:s}
.steps li:before{content:counter(s);display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--amber);font-weight:800;font-family:var(--fh);margin-bottom:10px}
.steps strong{display:block;margin-bottom:4px;font-family:var(--fh)}
.steps span{font-size:15px;color:var(--muted)}
.tablewrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:var(--r)}
table{width:100%;border-collapse:collapse;font-size:15px;min-width:560px}
th{background:var(--deep);color:#fff;text-align:left;padding:13px 16px;font-family:var(--fh);font-size:13px;text-transform:uppercase;letter-spacing:.05em}
td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
tr:nth-child(even) td{background:#F7FAFE}
.midcta{background:var(--deep);color:#fff;border-radius:var(--r);padding:26px 28px;margin:34px 0;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.midcta h3{margin:0 0 4px;font-size:21px;color:var(--amber)}
.midcta p{color:#CFE0F5;font-size:15.5px;margin:0}
.faq{margin:18px 0}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff}
.faq-item h3{margin:0;font-size:17px}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:16px 50px 16px 18px;font:700 17px/1.35 var(--fh);color:var(--ink);cursor:pointer;position:relative}
.faq-q:after{content:"+";position:absolute;right:18px;top:12px;font-size:24px;color:var(--blue)}
.faq-q[aria-expanded="true"]:after{content:"\2212"}
.faq-a{padding:0 18px 16px}
.faq-a p{font-size:16px}
html.js .faq-a{max-height:0;overflow:hidden;padding-top:0;padding-bottom:0;transition:max-height .3s ease}
html.js .faq-item.open .faq-a{padding-bottom:16px}
.localnote{background:var(--pale);border:1px solid var(--line);border-radius:var(--r);padding:8px 26px 22px;margin:30px 0}
.localnote h2{font-size:24px;margin:18px 0 10px}
.mapsec{background:var(--pale);padding:50px 0}
.mapsec h2{font-size:26px;margin-bottom:14px}
.mapsec iframe,.locmap iframe{width:100%;height:380px;border:0;border-radius:var(--r);display:block}
.locmap{margin:26px 0}
.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(--blue);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)}
.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:var(--amber)}
.insurepanel p{font-size:15.5px;color:#CFE0F5;max-width:620px}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:18px 0}
.areas a,.areas span{background:var(--pale);padding:13px 14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;text-align:center}
.ctaband{background:var(--deep);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:38px;margin-bottom:8px}
.ctaband p{font-size:17px;margin-bottom:24px;color:#CFE0F5}
.blogcards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.bcard{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;display:flex;flex-direction:column}
.bcard img{width:100%;aspect-ratio:16/9;object-fit:cover;display:block}
.bcard div{padding:18px 20px 22px}
.bcard h2,.bcard h3{font-size:18px;margin-bottom:8px}
.bcard h2 a,.bcard h3 a{color:var(--ink);text-decoration:none}
.bcard p{font-size:14.5px;color:var(--muted)}
.byline{font-size:14px;color:#CFE0F5;margin-bottom:16px}
footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 30px;font-size:14.5px}
footer .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:28px}
footer h2{font-size:15.5px;margin-bottom:10px}
footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:6px}
footer a:hover{color:var(--blue)}
footer p{color:var(--muted);margin-bottom:8px}
footer .fphone{font-weight:700;color:var(--ink)}
footer img{width:250px;height:40px;margin-bottom:12px}
.legal{max-width:var(--wrap);margin:26px auto 0;padding:18px 24px 0;border-top:1px solid var(--line);font-size:13.5px;color:var(--muted)}
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--deep);z-index:50;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:15.5px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--amber);color:var(--ink);display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 6px 20px rgba(0,0,0,.25);z-index:45}
.prose{max-width:820px}
@media(max-width:1100px){.dropmenu.mega{width:640px;transform:translateX(-70%)}}
@media(max-width:900px){
.menubtn{display:block}
.navlinks{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);flex-direction:column;align-items:stretch;padding:10px 16px 18px;max-height:78vh;overflow-y:auto;box-shadow:0 16px 30px rgba(0,0,0,.15)}
.navlinks.open{display:flex}
.navlinks>li>a,.navlinks>li>button.navbtn{padding:12px 6px;width:100%;text-align:left;font-size:16px}
.dropmenu,.dropmenu.mega,.dropmenu.slim{position:static;display:none;width:auto;transform:none;box-shadow:none;border:0;padding:0 0 8px 12px}
.has-drop:hover>.dropmenu{display:none}
.has-drop.open>.dropmenu,.has-drop.open>.dropmenu.mega{display:block}
.dropmenu h2{margin-top:10px}
.nav .btn{display:none}
.stickybar{display:block}
.floatcall{display:none}
body{padding-bottom:64px}
.hero .wrap,.insurepanel{grid-template-columns:1fr}
.twocol{grid-template-columns:1fr}
.sidecard{position:static}
.cards,.why,.blogcards{grid-template-columns:1fr 1fr}
.steps{grid-template-columns:1fr 1fr}
.areas{grid-template-columns:1fr 1fr}
footer .wrap{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
footer .wrap>div{min-width:0}
footer img{max-width:100%;height:auto}
.hero h1{font-size:34px}.pagehead h1{font-size:31px}
.logo img{width:240px;height:38px}
}
@media(max-width:560px){
.cards,.cards.two,.why,.blogcards,.steps{grid-template-columns:1fr}
.logo img{width:205px;height:33px}
.wrap{padding:0 16px}
.sec{padding:48px 0}
article h2{font-size:24px}
.ctaband h2{font-size:30px}
.topbar .wrap{justify-content:center;text-align:center}
.midcta{padding:20px}
}

.hamburger{cursor:pointer}.nav-menu{list-style:none}.sticky-cta{box-shadow:0 -3px 12px rgba(0,0,0,.25)}

@media(max-width:560px){footer .wrap{grid-template-columns:minmax(0,1fr)}}
article p,article li,.prose p{overflow-wrap:anywhere}

.bgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:24px}
.bcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:var(--ink);box-shadow:0 6px 20px rgba(18,35,59,.07);transition:transform .15s}
.bcard:hover{transform:translateY(-3px)}
.bcard img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.bbody{padding:18px 20px 22px;display:flex;flex-direction:column;gap:8px;flex:1}
.bbody h2{font-size:18px}
.bbody p{font-size:15px;color:var(--muted);margin:0}
.bbody span{margin-top:auto;font-weight:700;color:var(--blue);font-size:14.5px}
@media(max-width:900px){.bgrid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.bgrid{grid-template-columns:minmax(0,1fr)}}
.bbody h2{margin:0!important}.bbody p{margin:0!important}

.hoodlist{margin:14px 0 16px 22px}.hoodlist li{margin-bottom:4px}