:root{--slate:#232B33;--slate2:#2E3A46;--blue:#2D6FE0;--blue-d:#2158B8;--blue-dd:#1B4A9C;--gray:#4F5661;--line:#E1E4E8;--bg:#FFFFFF;--panel:#F5F6F8;--tint:#EAF1FC;--warn-bg:#FFF6E5;--warn-line:#E9B949;--warn-ink:#6B4700;--font:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--slate);background:var(--bg);line-height:1.65;font-size:16px;-webkit-text-size-adjust:100%}
img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--font);letter-spacing:-.02em;font-weight:800;line-height:1.2}
a{color:var(--blue-d)}
.skip{position:absolute;left:-9999px;top:0;background:var(--slate);color:#fff;padding:10px 16px;z-index:100;border-radius:0 0 8px 0}
.skip:focus{left:0}
.wrap{max-width:1160px;margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue-d);color:#fff;font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:10px;border:2px solid transparent;font-family:var(--font);cursor:pointer}
.btn:hover{background:var(--blue-dd)}
.btn.dark{background:var(--slate)}
.btn.dark:hover{background:#000}
.btn.ghost{background:#fff;color:var(--slate);border-color:var(--line)}
.btn.ghost:hover{border-color:var(--blue-d);background:#fff}
.btn.block{width:100%}
.btn.small{font-size:14px;padding:11px 20px}
/* topbar + nav */
.topbar{background:var(--slate);color:#C3C9D2;font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px}
.topbar b{color:#fff}
nav.site-nav{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:40}
nav.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:232px;height:42px}
.navlinks{display:flex;align-items:center;list-style:none;gap:4px}
.navlinks>li{position:relative}
.navlinks>li>a,.navlinks>li>button{color:var(--slate);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;display:inline-block;background:none;border:0;font-family:var(--font);cursor:pointer;border-radius:8px}
.navlinks>li>a:hover,.navlinks>li>button:hover{color:var(--blue-d)}
.navlinks>li>a.btn{background:var(--blue-d);color:#fff;margin-left:8px;padding:11px 20px;border-radius:10px}
.navlinks>li>a.btn:hover{background:var(--blue-dd);color:#fff}
.caret:after{content:"";display:inline-block;margin-left:7px;border:4px solid transparent;border-top-color:currentColor;transform:translateY(2px)}
.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 14px 34px rgba(35,43,51,.14);padding:8px;list-style:none;z-index:60}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:10px 14px;color:var(--slate);text-decoration:none;font-weight:600;font-size:14.5px;border-radius:8px}
.dropmenu a:hover,.dropmenu a:focus{background:var(--panel);color:var(--blue-d)}
.dropmenu .all a{color:var(--blue-d);border-top:1px solid var(--line);border-radius:0 0 8px 8px;margin-top:4px}
.has-drop:hover>.dropmenu,.has-drop:focus-within>.dropmenu{display:block}
.navtoggle{display:none;background:#fff;border:2px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.navtoggle span{display:block;width:22px;height:2.5px;background:var(--slate);border-radius:2px}
/* heroes */
.hero{background:#fff;padding:76px 0;position:relative;isolation:isolate;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center;position:relative;z-index:2}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--panel);color:var(--gray);font-weight:700;font-size:13px;padding:8px 15px;border-radius:8px;margin-bottom:20px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:#1F9D55}
.badge.alt{background:#fff;color:var(--slate);border:1px solid var(--line)}
.hero h1{font-size:clamp(32px,4.4vw,46px);line-height:1.08;margin-bottom:18px}
.hero h1 span{color:var(--blue-d)}
.hero p.lede{color:var(--gray);font-size:17.5px;max-width:520px;margin-bottom:26px;font-weight:500}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:24px}
.trustrow{display:flex;gap:20px;flex-wrap:wrap;color:var(--gray);font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2022\00a0"}
.heropanel{border:1px solid var(--line);border-radius:20px;padding:8px;background:#fff}
.hpinner{background:var(--panel);border-radius:14px;padding:22px 26px}
.hprow{display:flex;justify-content:space-between;gap:14px;padding:13px 0;border-bottom:1px solid var(--line);font-size:14.5px}
.hprow:last-child{border-bottom:none}
.hprow b{color:var(--blue-dd);font-size:15px;text-align:right}
.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(100deg,rgba(18,24,31,.80),rgba(18,24,31,.38));z-index:-1}
.hero.has-hero h1,.hero.has-hero p.lede,.hero.has-hero .trustrow{color:#fff}
.hero.has-hero h1 span{color:#9CC2FF}
.strip{background:var(--panel);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 24px;list-style:none}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px;color:var(--slate)}
.stripitem .ic{display:inline-flex;width:26px;height:26px;border-radius:8px;background:var(--tint);color:var(--blue-dd);align-items:center;justify-content:center;font-size:13px;font-weight:800}
.emergency{background:var(--slate);color:#fff;padding:24px 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:14.5px;color:#C3C9D2;font-weight:500}
.emergency .btn{background:var(--blue)}
.emergency .btn:hover{background:var(--blue-d)}
/* sections */
.sec{padding:76px 0;background:#fff}
.sec.panel{background:var(--panel)}
.kick{color:var(--blue-d);font-weight:700;font-size:13px;letter-spacing:.08em;text-transform:uppercase;display:block}
.sec h2{font-size:32px;margin:10px 0 22px}
.sec h2.sub{font-size:27px;margin:44px 0 16px}
.sec h2.first{margin-top:10px}
main p{margin:0}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul.bul,main ol.bul{margin:14px 0 0 22px}
main ul.bul li,main ol.bul li{margin-bottom:8px}
.masonry{column-count:3;column-gap:18px}
.mcard{break-inside:avoid;border:1px solid var(--line);border-radius:16px;padding:22px;margin-bottom:18px;background:#fff}
.mcard.tall{padding-bottom:30px}
.mcard .ic{width:42px;height:42px;background:var(--tint);color:var(--blue-dd);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:16px;font-weight:800;margin-bottom:14px}
.mcard h3{font-size:17.5px;margin-bottom:8px;font-weight:700}
.mcard p{font-size:15px;color:var(--gray);margin-bottom:10px;font-weight:500}
.mcard a.more{color:var(--blue-d);font-weight:700;font-size:14px;text-decoration:none}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:16px;overflow:hidden}
.whycard{background:#fff;padding:26px}
.whycard .num{font-size:22px;font-weight:800;color:var(--blue-d);margin-bottom:10px}
.whycard h3{font-size:16.5px;margin-bottom:6px;font-weight:700}
.whycard p{font-size:14.5px;color:var(--gray);font-weight:500}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:14px}
.step{background:var(--panel);border-radius:16px;padding:24px}
.sec.panel .step{background:#fff;border:1px solid var(--line)}
.step .n{width:38px;height:38px;background:var(--slate);color:#fff;border-radius:10px;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:16px;margin-bottom:16px}
.step h3{font-size:16.5px;margin-bottom:6px;font-weight:700}
.step p{font-size:14.5px;color:var(--gray);font-weight:500}
.steps.three{grid-template-columns:repeat(3,1fr)}
.insurepanel{background:var(--panel);border:1px solid var(--line);border-radius:20px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.sec.panel .insurepanel{background:#fff}
.insurepanel h3{font-size:23px;margin-bottom:8px}
.insurepanel p{font-size:15.5px;color:var(--gray);max-width:620px;font-weight:500}
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.areacard{background:#fff;border:1px solid var(--line);padding:20px;border-radius:14px;color:var(--slate);text-decoration:none;display:block}
.areacard:hover{border-color:var(--blue-d)}
.areacard b{display:block;font-size:17px;margin-bottom:4px}
.areacard span{font-size:14px;color:var(--gray);font-weight:500}
.ctaband{background:var(--slate);color:#fff;padding:64px 0;text-align:center}
.ctaband h2{font-size:36px;margin-bottom:8px}
.ctaband p{font-size:17px;color:#C3C9D2;margin:0 auto 24px;max-width:640px;font-weight:500}
.ctaband .btn{background:var(--blue)}
.ctaband .btn:hover{background:var(--blue-d)}
/* page heads */
.pagehead{background:var(--panel);padding:52px 0;position:relative;isolation:isolate;overflow:hidden}
.pagehead .wrap{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center;position:relative;z-index:2}
.pagehead.dark{background:linear-gradient(120deg,#1C242C 0%,#2B3A4C 60%,#244777 100%);color:#fff}
.crumb{color:var(--gray);font-size:13.5px;margin-bottom:12px;font-weight:500}
.crumb a{color:var(--blue-dd);text-decoration:none;font-weight:600}
.dark .crumb,.has-hero .crumb{color:#C3C9D2}
.dark .crumb a,.has-hero .crumb a{color:#fff}
.pagehead h1{font-size:clamp(28px,3.4vw,36px);margin-bottom:12px}
.pagehead p.sub{color:var(--gray);max-width:660px;font-size:17px;font-weight:500}
.dark p.sub,.has-hero p.sub{color:#DCE2EA}
.chips{display:flex;gap:9px;margin-top:18px;flex-wrap:wrap;list-style:none}
.chip{background:#fff;border:1px solid var(--line);color:var(--blue-dd);font-size:13.5px;font-weight:700;padding:7px 14px;border-radius:8px}
.dark .chip,.has-hero .chip{background:rgba(255,255,255,.12);border-color:rgba(255,255,255,.28);color:#fff}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:16px;list-style:none}
.zip-chip{background:var(--slate);color:#fff;border-radius:8px;padding:6px 13px;font-weight:700;font-size:13.5px}
.herocall{background:var(--slate);color:#fff;border-radius:16px;padding:24px;text-align:center;min-width:260px}
.dark .herocall,.has-hero .herocall{background:#fff;color:var(--slate)}
.herocall .lbl{color:#C3C9D2;font-size:12.5px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.dark .herocall .lbl,.has-hero .herocall .lbl{color:var(--gray)}
.herocall .num{font-weight:800;font-size:24px;color:#9CC2FF;margin:6px 0 14px}
.dark .herocall .num,.has-hero .herocall .num{color:var(--blue-dd)}
.herocall .btn{background:var(--blue)}
.dark .herocall .btn,.has-hero .herocall .btn{background:var(--blue-d)}
/* two column + sidecard */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;align-items:start}
.sidecard{background:var(--panel);border:1px solid var(--line);border-radius:18px;padding:26px;position:sticky;top:24px;align-self:start}
.sidecard .skick{font-size:12.5px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:#14733F;display:block;margin-bottom:8px}
.sidecard h3{font-size:19px;margin-bottom:8px}
.sidecard p{color:var(--gray);font-size:14.5px;margin-bottom:14px;font-weight:500}
.sidecard ul{list-style:none;margin-top:16px;border-top:1px solid var(--line);padding-top:12px}
.sidecard li{font-size:14.5px;padding:5px 0;font-weight:500}
.sidecard li:before{content:"\2713\00a0\00a0";color:#14733F;font-weight:800}
.sidecard .svc{display:block;margin-top:12px;font-weight:700;font-size:14.5px}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:14px}
.sign{background:var(--panel);border-radius:14px;padding:20px}
.sign h3{font-size:16.5px;margin-bottom:6px;font-weight:700}
.sign p{font-size:15px;color:var(--gray);font-weight:500}
.sign p+p{margin-top:10px}
.midcta{background:var(--blue-d);border-radius:16px;color:#fff;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;margin:36px 0;flex-wrap:wrap}
.midcta h3{font-size:20px;margin-bottom:4px}
.midcta p{font-size:15px;color:#E4EDFB;font-weight:500}
.midcta .btn{background:var(--slate)}
.midcta .btn:hover{background:#000}
.safety{background:var(--warn-bg);border:1px solid var(--warn-line);border-left:6px solid var(--warn-line);border-radius:12px;padding:20px 22px;margin:26px 0}
.safety h3{font-size:17px;color:var(--warn-ink);margin-bottom:6px}
.safety p{font-size:15.5px;color:#3D2A00}
.faq{margin-top:10px}
.faq>div{border-bottom:1px solid var(--line);padding:18px 0}
.faq h3{font-size:16.5px;margin-bottom:6px;font-weight:700}
.faq p{font-size:15.5px;color:var(--gray);font-weight:500}
.tablewrap{overflow-x:auto;margin-top:16px;border:1px solid var(--line);border-radius:14px}
table.data{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}
table.data th{background:var(--slate);color:#fff;text-align:left;padding:12px 14px;font-weight:700;font-size:14px}
table.data td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top;color:var(--slate);font-weight:500}
table.data tr:nth-child(even) td{background:var(--panel)}
.localnote{background:var(--tint);border:1px solid #C9DBF8;border-radius:16px;padding:24px 26px;margin:34px 0}
.localnote h2{font-size:23px;margin:0 0 10px}
.localnote .src{font-size:13.5px;color:var(--gray);margin-top:12px;font-weight:600}
.costbox{border:1px solid var(--line);border-radius:16px;padding:24px 26px;margin-top:16px}
.costbox ul{list-style:none}
.costbox li{padding:9px 0;border-bottom:1px solid var(--line);font-size:15.5px}
.costbox li:last-child{border-bottom:none}
.costbox li b{color:var(--blue-dd)}
.prep{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:14px}
.prepcard{border:1px solid var(--line);border-left:5px solid var(--blue-d);border-radius:12px;padding:18px 20px;background:#fff}
.prepcard h3{font-size:16px;margin-bottom:5px}
.prepcard p{font-size:15px;color:var(--gray);font-weight:500}
.mapframe{display:block;width:100%;height:340px;border:0;border-radius:16px;background:var(--panel)}
.mapsec{padding:60px 0;background:var(--panel)}
.mapsec h2{font-size:28px;margin:10px 0 12px}
.mapsec p{max-width:760px;margin-bottom:20px;color:var(--gray);font-weight:500}
.mapsec .maplink{margin-top:12px;display:block}
/* blog */
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.blogcard{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff;display:flex;flex-direction:column}
.blogcard .tag{font-size:12.5px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--blue-dd);margin-bottom:8px}
.blogcard h3{font-size:18px;margin-bottom:8px}
.blogcard h3 a{color:var(--slate);text-decoration:none}
.blogcard h3 a:hover{color:var(--blue-d)}
.blogcard p{font-size:15px;color:var(--gray);font-weight:500}
.byline{font-size:14px;color:var(--gray);margin-top:14px;font-weight:600}
.dark .byline{color:#C3C9D2}
/* footer */
footer.site-footer{background:var(--slate);color:#C3C9D2;padding:56px 0 40px;font-size:15px}
footer.site-footer .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:32px}
footer.site-footer img{display:block;width:232px;height:42px;margin-bottom:14px}
footer.site-footer h3{color:#fff;font-size:15.5px;margin-bottom:12px}
footer.site-footer a{color:#C3C9D2;text-decoration:none;display:block;margin-bottom:8px;font-weight:500}
footer.site-footer a:hover{color:#fff;text-decoration:underline}
footer.site-footer p{margin-bottom:8px}
footer.site-footer .tel{color:#fff;font-weight:800;font-size:19px}
.legal{background:#1A2027;color:#9CA6B3;font-size:13.5px;padding:16px 0;text-align:center}
.stickybar{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,.18)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:800;font-size:16px;text-decoration:none;background:var(--blue-d);border-radius:10px;padding:12px}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--blue-d);color:#fff;display:flex;align-items:center;justify-content:center;text-decoration:none;font-weight:800;font-size:12px;box-shadow:0 8px 22px rgba(33,88,184,.45);z-index:45}
.floatcall:hover{background:var(--blue-dd)}
@media(max-width:1100px){.navlinks>li>a,.navlinks>li>button{padding:10px 8px;font-size:14px}.logo img{width:210px;height:38px}}
@media(max-width:900px){
.hero .wrap,.twocol,.boxgrid,.insurepanel,.prep,.pagehead .wrap{grid-template-columns:minmax(0,1fr)}
.why,.steps{grid-template-columns:1fr 1fr}.steps.three{grid-template-columns:1fr}.masonry{column-count:1}.areas,.bloggrid{grid-template-columns:1fr}
.hero{padding:48px 0}.hero h1{font-size:34px}.pagehead h1{font-size:30px}.sec{padding:52px 0}.sec h2{font-size:27px}.ctaband h2{font-size:28px}
footer.site-footer .wrap{grid-template-columns:1fr 1fr}
.sidecard{position:static}
.herocall{min-width:0}
.navtoggle{display:flex}
.navlinks{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;border-top:1px solid var(--line);box-shadow:0 18px 30px rgba(35,43,51,.16);flex-direction:column;align-items:stretch;padding:12px 16px 18px;gap:0;max-height:calc(100vh - 76px);overflow-y:auto}
.nav-open .navlinks{display:flex}
.navlinks>li>a,.navlinks>li>button{display:block;width:100%;text-align:left;padding:13px 8px;font-size:16px}
.dropmenu{display:block;position:static;box-shadow:none;border:0;padding:0 0 6px 12px;min-width:0}
.caret:after{display:none}
.navlinks>li>a.btn{margin:10px 0 0;text-align:center;display:block}
.stickybar{display:block}.floatcall{display:none}body{padding-bottom:70px}
.topbar .wrap{justify-content:center}.topbar .wrap div+div{display:none}
}
@media(max-width:560px){.wrap{padding:0 16px}.why,.steps{grid-template-columns:minmax(0,1fr)}footer.site-footer .wrap{grid-template-columns:minmax(0,1fr)}.hero h1{font-size:30px}.midcta{padding:22px}.logo img{width:196px;height:36px}.mapframe{height:280px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.hamburger,.nav-toggle,.nav-menu,.sticky-call{box-sizing:border-box}
.hero .wrap>*,.twocol>*,.pagehead .wrap>*,.boxgrid>*,.prep>*{min-width:0}
.sign,.card,.prepcard{overflow-wrap:anywhere}
p,li,a,h1,h2,h3,td,th,address{overflow-wrap:anywhere}
.fig{margin:22px 0;border-radius:14px;overflow:hidden;border:1px solid var(--line)}
.fig img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.blogcard{padding:0;overflow:hidden}
.blogcard .thumb{display:block}
.blogcard .thumb img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.blogcard .tag,.blogcard h3,.blogcard p{margin-left:22px;margin-right:22px}
.blogcard .tag{margin-top:18px}
.blogcard p{margin-bottom:22px}