:root{
  --navy:#12203A;--navy-2:#1B2E4B;--navy-3:#243A5E;
  --amber:#E3A23C;--amber-dk:#C4832A;--amber-soft:#FBF1DD;
  --ink:#20242E;--muted:#5C5F68;--line:#E7E2D6;--cream:#F7F5F0;--white:#fff;--mist:#C7CFE0;
  --font-head:'Fraunces',Georgia,serif;--font-body:'Work Sans',system-ui,-apple-system,'Segoe UI',sans-serif;
  --radius:14px;--shadow:0 10px 26px rgba(18,32,58,.08);--trans:.2s ease;--container:1180px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-padding-top:90px;-webkit-text-size-adjust:100%}
body{font-family:var(--font-body);font-size:16px;color:var(--ink);background:var(--white);line-height:1.65}
img,svg,iframe{max-width:100%;display:block}
img{height:auto}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
a{color:var(--navy-2)}
.wrap{max-width:var(--container);margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--amber);color:var(--navy);padding:10px 16px;font-weight:700;z-index:2000}
.skip-link:focus{left:12px;top:12px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--amber);color:var(--navy);font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:100px;box-shadow:0 10px 22px rgba(227,162,60,.35);border:0;cursor:pointer;min-height:48px;transition:background var(--trans)}
.btn:hover{background:var(--amber-dk)}
.btn.alt{background:var(--navy-2);color:var(--white);box-shadow:none}
.btn.alt:hover{background:var(--navy)}
.btn.ghost{background:var(--white);color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--navy-2)}
.btn.small{font-size:14px;padding:10px 20px;min-height:44px}
.btn.block{display:flex;width:100%}

/* topbar and header */
.topbar{background:var(--navy);color:var(--mist);font-size:13.5px;padding:8px 0}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:12px}
.topbar a{color:var(--amber);font-weight:700;text-decoration:none}
.topbar-hours{color:var(--mist)}
.site-header{background:var(--white);box-shadow:0 1px 0 var(--line);position:sticky;top:0;z-index:100}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.logo{display:block;flex-shrink:1;min-width:0}
.logo img{width:auto;height:48px}
.nav-links{display:flex;align-items:center;gap:22px;list-style:none}
.nav-links a{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px}
.nav-links a:hover{color:var(--navy-2)}
.nav-links a.nav-cta{color:var(--navy);padding:10px 20px;font-size:14px}
.has-dropdown{position:relative}
.dd-arrow{font-size:10px;margin-left:3px}
.dropdown{position:absolute;top:100%;left:-14px;min-width:290px;padding:8px 0;margin:0;list-style:none;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity var(--trans),visibility var(--trans),transform var(--trans);z-index:1000}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:block;padding:9px 18px;white-space:nowrap}
.dropdown a:hover{background:var(--cream)}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:44px;min-height:44px;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:2px;background:var(--navy);border-radius:2px;transition:transform var(--trans),opacity var(--trans)}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(330px,88vw);background:var(--white);z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:24px}
.mob-drawer[hidden]{display:block;transform:translateX(100%);visibility:hidden}
.mob-drawer:not([hidden]){transform:translateX(0);visibility:visible}
.drawer-close{position:absolute;top:12px;right:12px;min-width:44px;min-height:44px;background:none;border:0;font-size:22px;cursor:pointer;color:var(--navy)}
.drawer-list{list-style:none;margin:44px 0 0}
.drawer-list a{display:block;padding:13px 0;font-size:17px;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:600}
.drawer-label{display:block;padding:16px 0 4px;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700}
.drawer-list a.drawer-cta{margin-top:18px;background:var(--amber);color:var(--navy);text-align:center;border-radius:100px;border-bottom:0}
.mob-overlay{position:fixed;inset:0;background:rgba(18,32,58,.55);z-index:9998;opacity:0;visibility:hidden;transition:opacity var(--trans),visibility var(--trans)}
.mob-overlay.visible{opacity:1;visibility:visible}

/* badges */
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--cream);color:var(--navy);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--amber)}
.badge.badge-alt{background:var(--amber);color:var(--navy)}
.badge.badge-alt:before{background:var(--navy)}

/* homepage hero (light, paper) */
.hero{background:linear-gradient(180deg,var(--white),var(--cream));padding:64px 0;position:relative;isolation:isolate}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.hero h1{font-size:clamp(2rem,4.4vw,2.9rem);line-height:1.12;margin-bottom:16px}
.hero h1 span{color:var(--navy-2)}
.hero-sub{color:var(--muted);font-size:17px;max-width:520px;margin-bottom:24px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 18px;flex-wrap:wrap;color:var(--muted);font-size:13.5px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--navy-2)}
.statpanel{background:var(--navy);color:var(--white);border-radius:var(--radius);padding:28px;position:relative}
.statpanel:after{content:"";position:absolute;top:0;right:0;width:30px;height:30px;background:linear-gradient(225deg,var(--cream) 50%,var(--navy-3) 50%);border-top-right-radius:var(--radius)}
.statpanel h2{font-size:15px;color:var(--white);opacity:.8;margin-bottom:14px;font-family:var(--font-body);font-weight:600;letter-spacing:.04em;text-transform:uppercase}
.strow{display:flex;justify-content:space-between;gap:14px;padding:12px 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(--font-head);font-size:16px;text-align:right}
.hero.has-hero .hero-bg,.pagehead.has-hero .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(90deg,rgba(18,32,58,.88),rgba(18,32,58,.55));z-index:-1}
.hero.has-hero h1,.hero.has-hero .hero-sub,.hero.has-hero .trustrow{color:var(--white)}
.hero.has-hero h1 span{color:var(--amber)}

/* inner page header */
.pagehead{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 70%,var(--navy-3) 100%);color:var(--white);padding:46px 0 52px;position:relative;isolation:isolate;overflow:hidden}
.pagehead:after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;background:linear-gradient(225deg,rgba(255,255,255,.07) 50%,rgba(255,255,255,.03) 50%);transform:rotate(12deg);z-index:-1}
.pagehead h1{color:var(--white);font-size:clamp(1.75rem,4vw,2.7rem);margin-bottom:12px;max-width:860px}
.pagehead-sub{color:var(--mist);font-size:17px;max-width:760px;margin-bottom:22px}
.crumbs{list-style:none;display:flex;flex-wrap:wrap;gap:6px;font-size:13px;color:var(--mist);margin-bottom:18px}
.crumbs li+li:before{content:"/";margin-right:6px;color:var(--mist)}
.crumbs a{color:var(--mist);text-decoration:none}
.crumbs a:hover{color:var(--white)}
.zips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin-top:18px}
.zip-chip{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.28);color:var(--white);font-size:13px;font-weight:700;padding:5px 13px;border-radius:100px}
.zips-label{display:block;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--mist);margin-top:18px;font-weight:700}

/* strips and bands */
.strip{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip-inner{display:flex;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:10px 20px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{color:var(--navy-2);font-size:18px}
.emergency{background:var(--amber);color:var(--navy);padding:22px 0}
.emergency-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:22px;color:var(--navy)}
.emergency p{font-size:14.5px}

/* sections */
.sec{padding:72px 0;background:var(--white)}
.sec.tint{background:var(--cream)}
.kick{color:var(--navy);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.sec-title{font-size:clamp(1.5rem,3vw,2.1rem);margin:10px 0 28px}
.sec-lead{max-width:760px;color:var(--muted);margin-bottom:28px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card .ic{width:50px;height:50px;background:var(--cream);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:14.5px;color:var(--muted);margin-bottom:12px}
.card a{color:var(--navy-2);font-weight:700;font-size:14px;text-decoration:none}
.card a:hover{text-decoration:underline}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:var(--cream);border-radius:var(--radius);padding:24px;text-align:center}
.whycard .num{width:44px;height:44px;background:var(--navy-2);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:16.5px;margin-bottom:6px}
.whycard p{font-size:14px;color:var(--muted)}
.sec.tint .whycard{background:var(--white)}
.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(--amber);color:var(--navy);font-family:var(--font-head);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:14px;color:var(--muted)}
.sec .steps{margin-bottom:8px}
.insurepanel{background:var(--navy);color:var(--white);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:var(--amber)}
.insurepanel p{font-size:15px;color:var(--mist);max-width:620px}
.insurepanel p+p{margin-top:10px}
.ctaband{background:var(--navy);color:var(--white);padding:60px 0;text-align:center}
.ctaband h2{font-size:clamp(1.7rem,3.4vw,2.4rem);margin-bottom:8px;color:var(--white)}
.ctaband p{font-size:17px;margin:0 auto 24px;color:var(--mist);max-width:640px}
.sec-prose{max-width:820px}
.sec-prose h2{font-size:clamp(1.4rem,2.6vw,1.9rem);margin:0 0 14px}
.sec-prose p+p{margin-top:14px}

/* two column pages */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:36px;align-items:start}
.prose{min-width:0}
.panel{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:34px 38px;position:relative;margin-bottom:24px;box-shadow:var(--shadow)}
.panel:after{content:"";position:absolute;top:-1px;right:-1px;width:26px;height:26px;background:linear-gradient(225deg,var(--cream) 50%,var(--line) 50%);border-top-right-radius:var(--radius)}
.panel h2{font-size:clamp(1.4rem,2.4vw,1.85rem);margin-bottom:14px}
.panel h3{font-size:1.2rem;margin:22px 0 8px}
.panel p{color:var(--ink)}
.panel p+p,main p+p{margin-top:14px}
.panel ul.bullets,.panel ol.numbered{margin:14px 0 4px 22px}
.panel ul.bullets li,.panel ol.numbered li{margin-bottom:8px;padding-left:4px}
.panel h2+p,.panel h3+p{margin-top:0}
.table-wrap{overflow-x:auto;margin:18px 0;border:1px solid var(--line);border-radius:12px}
.table-wrap table{width:100%;border-collapse:collapse;font-size:14.5px;min-width:520px}
.table-wrap caption{caption-side:top;text-align:left;padding:12px 16px;font-weight:700;background:var(--cream);color:var(--navy)}
.table-wrap th{background:var(--navy);color:var(--white);text-align:left;padding:12px 16px;font-size:13px;letter-spacing:.04em;text-transform:uppercase}
.table-wrap td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top}
.table-wrap tr:nth-child(even) td{background:#FBFAF7}
.callout-card{background:var(--cream);border:1px solid var(--line);border-left:5px solid var(--navy-2);border-radius:12px;padding:24px 26px;margin:20px 0}
.callout-card h3{margin:0 0 8px;font-size:1.1rem}
.callout-card.warn{border-left-color:var(--amber-dk);background:var(--amber-soft)}
.icon-list{list-style:none;display:grid;gap:12px;margin-top:6px}
.icon-list li{display:flex;gap:12px;align-items:flex-start}
.icon-list .ico{flex:none;width:26px;height:26px;border-radius:50%;background:var(--navy-2);color:var(--white);display:flex;align-items:center;justify-content:center;font-weight:700;font-size:14px}
.prep-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:18px 0 4px}
.prep-card{background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:18px 20px}
.prep-card h3{margin:0 0 6px;font-size:1rem;font-family:var(--font-body);font-weight:700}
.prep-card p{font-size:14.5px;color:var(--muted)}
.prep-card .pn{display:inline-flex;width:26px;height:26px;border-radius:50%;background:var(--amber);color:var(--navy);align-items:center;justify-content:center;font-weight:700;font-size:13px;margin-bottom:8px}
.localnote{background:var(--amber-soft);border:1px solid #F0D9A8;border-radius:12px;padding:26px 28px;margin:22px 0 4px}
.localnote h3{margin:0 0 10px;font-size:1.15rem}
.localnote p{font-size:15.5px}
.inline-cta{background:var(--navy);color:var(--white);border-radius:12px;padding:24px 26px;margin:22px 0 4px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.inline-cta h3{margin:0 0 4px;color:var(--white);font-size:1.15rem}
.inline-cta p{color:var(--mist);font-size:14.5px;margin:0}
.faq-list{margin-top:6px}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:var(--white)}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:16px 50px 16px 18px;font:600 16px/1.4 var(--font-body);color:var(--ink);cursor:pointer;position:relative;min-height:48px}
.faq-q:after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:22px;color:var(--navy-2)}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-a{max-height:1200px}
.faq-a-inner{padding:0 18px 18px}
.faq-a-inner p+p{margin-top:10px}
.byline{font-size:13.5px;color:var(--mist);margin-top:4px}

/* sidecard */
.sidecard{position:sticky;top:96px;align-self:start;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.sidecard:before{content:"";position:absolute;left:0;top:18px;bottom:18px;width:5px;border-radius:0 4px 4px 0;background:var(--amber)}
.side-kick{display:inline-block;background:var(--navy);color:var(--white);font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:100px;margin-bottom:12px}
.sidecard h3{font-size:1.25rem;margin-bottom:8px}
.sidecard p{font-size:14.5px;color:var(--muted);margin-bottom:16px}
.side-bullets{list-style:none;margin:18px 0 14px;display:grid;gap:9px}
.side-bullets li{font-size:14px;font-weight:600;display:flex;gap:9px}
.side-bullets li:before{content:"\2713";color:var(--navy-2);font-weight:700}
.side-link{font-size:14px;font-weight:700;color:var(--navy-2)}

/* map */
.mapsec{background:var(--cream);padding:56px 0;border-top:1px solid var(--line)}
.mapsec h2{font-size:clamp(1.4rem,2.6vw,1.9rem);margin-bottom:8px}
.mapsec .map-note{color:var(--muted);margin-bottom:20px;max-width:760px}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:var(--white)}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-wrap.tall{padding-bottom:46%}
.mapsec .map-wrap+.map-wrap{margin-top:20px}

/* index grids (services, blog, areas) */
.index-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.index-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column}
.index-card h3{font-size:1.1rem;margin-bottom:8px}
.index-card h3 a{color:var(--ink);text-decoration:none}
.index-card h3 a:hover{color:var(--navy-2);text-decoration:underline}
.index-card p{font-size:14.5px;color:var(--muted)}
.index-tag{font-size:12px;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--amber-dk);margin-bottom:8px}

/* footer */
.site-footer{background:var(--white);border-top:1px solid var(--line);padding:50px 0 40px;font-size:14.5px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.site-footer h2{font-size:16px;margin-bottom:12px}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:8px}
.site-footer a:hover{color:var(--navy-2);text-decoration:underline}
.site-footer p{color:var(--muted);margin-bottom:8px}
.footer-logo img{height:44px;width:auto;margin-bottom:12px}
.footer-nap a{display:inline;margin:0}
.footer-bottom{border-top:1px solid var(--line);margin-top:30px;padding-top:18px;color:var(--muted);font-size:13px}

/* sticky call bar and floating button */
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);z-index:8000;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.15)}
.sticky-cta a{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--white);font-weight:700;font-size:15px;text-decoration:none;min-height:44px}
.float-call{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--amber);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(18,32,58,.3);z-index:7000}
.float-call:hover{background:var(--amber-dk)}
.error-box{max-width:720px;margin:0 auto;text-align:center}
.legal-prose{max-width:820px}
.legal-prose h2{font-size:1.4rem;margin:26px 0 10px}
.legal-prose p+p{margin-top:12px}
.legal-prose ul{margin:12px 0 0 22px}

@media(max-width:1200px){.footer-grid{grid-template-columns:1.4fr 1fr 1fr 1fr}}
@media(max-width:900px){
  .hero-grid,.insurepanel{grid-template-columns:1fr}
  .cards,.index-grid{grid-template-columns:1fr 1fr}
  .why,.steps{grid-template-columns:1fr 1fr;gap:18px}
  .steps:before{display:none}
  .twocol{grid-template-columns:1fr}
  .sidecard{position:relative}
  .footer-grid{grid-template-columns:1fr 1fr}
  .prep-grid{grid-template-columns:1fr}
  .map-wrap,.map-wrap.tall{padding-bottom:62%}
}
@media(max-width:768px){
  .nav-links{display:none}
  .hamburger{display:flex}
  .sticky-cta{display:block}
  .float-call{display:none}
  body{padding-bottom:70px}
  .topbar-hours{display:none}
  .topbar-inner{justify-content:center}
  .logo img{height:42px}
}
@media(max-width:600px){
  .cards,.index-grid,.why,.steps,.footer-grid{grid-template-columns:1fr}
  .panel{padding:26px 20px}
  .hero{padding:44px 0}
  .sec{padding:52px 0}
  .wrap{padding:0 18px}
  .insurepanel{padding:24px}
  .inline-cta{padding:20px}
}
@media(min-width:769px) and (max-width:960px){.nav-links{gap:14px}.nav-links a{font-size:13.5px}}
.panel,.footer-nap,.icon-list li,.callout-card{overflow-wrap:anywhere}
.index-card.has-thumb{padding:0;overflow:hidden}
.index-thumb{display:block;aspect-ratio:16/9;background:var(--cream)}
.index-thumb img{display:block;width:100%;height:100%;object-fit:cover}
.index-card.has-thumb .index-tag,.index-card.has-thumb h3,.index-card.has-thumb p{margin-left:22px;margin-right:22px}
.index-card.has-thumb .index-tag{margin-top:16px}
.index-card.has-thumb p{margin-bottom:22px}
.index-grid{margin-top:22px}