:root{
  --ink:#0F2A3D;--ink-2:#1B3C52;--teal:#0AA6A6;--teal-d:#087F7F;--teal-dd:#066B6B;--coral:#FF6B5B;--coral-d:#E8503F;
  --mist:#F4FBFB;--line:#E3EEEE;--muted:#5C7079;--white:#fff;--sky:#BFDDE0;
  --font-body:'DM Sans',Arial,Helvetica,sans-serif;--font-head:'Plus Jakarta Sans','DM Sans',Arial,Helvetica,sans-serif;
  --r:14px;--wrap:1180px;--gut:24px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--ink);background:var(--white);line-height:1.65;font-size:16px;-webkit-text-size-adjust:100%}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
img,svg,iframe{max-width:100%}
a{color:var(--teal-dd)}
a:hover{color:var(--ink)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:200;border-radius:0 0 8px 0}
.skip:focus{left:0}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--coral);color:var(--ink);font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:100px;box-shadow:0 8px 20px rgba(255,107,91,.32);border:0;line-height:1.2;text-align:center}
.btn:hover{background:var(--coral-d);color:var(--ink)}
.btn.alt{background:var(--teal-d);color:#fff;box-shadow:0 8px 20px rgba(8,127,127,.28)}
.btn.alt:hover{background:var(--teal-dd);color:#fff}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--teal-d);color:var(--ink)}
.btn.sm{font-size:14px;padding:10px 18px}
.btn.block{display:flex;width:100%}

/* topbar + nav */
.topbar{background:var(--ink);color:#DCEBEE;font-size:13.5px;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar a:hover{color:var(--coral)}
.topbar b{color:var(--coral)}
.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-link{display:flex;align-items:center;flex:0 0 auto}
.logo-link img{display:block;width:250px;height:auto}
.nav-menu{list-style:none;display:flex;align-items:center;gap:6px}
.nav-menu>li{position:relative}
.nav-menu>li>a,.nav-menu>li>button{font:600 14.5px var(--font-body);color:var(--ink);text-decoration:none;padding:10px 12px;background:none;border:0;cursor:pointer;display:inline-flex;align-items:center;gap:5px;border-radius:8px}
.nav-menu>li>a:hover,.nav-menu>li>button:hover,.nav-menu>li:focus-within>button{color:var(--teal-dd);background:var(--mist)}
.nav-menu .caret{font-size:10px}
.dropmenu{list-style:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(15,42,61,.14);padding:8px;display:none;z-index:90}
.nav-menu>li:hover>.dropmenu,.nav-menu>li:focus-within>.dropmenu{display:block}
.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:8px}
.dropmenu a:hover{background:var(--mist);color:var(--teal-dd)}
.nav-cta{margin-left:6px}
.menu-toggle{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}
.menu-toggle span{display:block;width:22px;height:2px;background:var(--ink);border-radius:2px}
.mobile-menu{display:none;background:#fff;border-top:1px solid var(--line);padding:10px 0 18px}
.mobile-menu.open{display:block}
.mobile-menu h2{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:14px 0 4px;font-family:var(--font-body)}
.mobile-menu ul{list-style:none}
.mobile-menu a{display:block;padding:11px 4px;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}

/* page heads */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--teal-dd) 0%,var(--teal-d) 55%,#0C9A9A 100%)}
.hero{padding:68px 0 72px}
.pagehead{padding:46px 0 52px}
.hero:after,.pagehead:after{content:"";position:absolute;right:-120px;top:-160px;width:460px;height:460px;border-radius:50%;background:rgba(255,255,255,.06);z-index:-1}
.hero.has-hero:before,.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,70,70,.92) 0%,rgba(6,70,70,.78) 55%,rgba(6,70,70,.55) 100%);z-index:-1}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero h1,.pagehead h1{color:#fff}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1{font-size:clamp(30px,5vw,44px);margin-bottom:16px}
.hero h1 span{color:#9BEDEA}
.hero p.lead{color:#E6F6F6;font-size:18px;max-width:560px;margin-bottom:24px}
.pagehead h1{font-size:clamp(28px,4.4vw,38px);max-width:900px;margin:10px 0 12px}
.pagehead p.lead{color:#E6F6F6;font-size:17.5px;max-width:760px;margin-bottom:22px}
.crumbs{font-size:13.5px;color:#CDEAEA;margin-bottom:14px}
.crumbs a{color:#fff}
.crumbs span{margin:0 6px;opacity:.7}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);color:#fff;font-weight:700;font-size:13px;padding:7px 15px;border-radius:100px;margin-bottom:14px;border:1px solid rgba(255,255,255,.25)}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--coral);flex:0 0 auto}
.badge-alt{background:#fff;color:var(--ink);border-color:#fff}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:20px}
.trustrow{display:flex;gap:8px 20px;flex-wrap:wrap;font-size:14px;font-weight:600;color:#E6F6F6;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:#9BEDEA}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:6px 0 18px}
.zip-chip{background:#fff;color:var(--ink);font-weight:700;font-size:13.5px;padding:5px 13px;border-radius:100px}
.statpanel{background:rgba(6,50,56,.55);border:1px solid rgba(255,255,255,.2);border-radius:var(--r);padding:26px;backdrop-filter:blur(2px)}
.statpanel h2{font-size:15px;color:#CDEAEA;margin-bottom:12px;font-family:var(--font-body);font-weight:600}
.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:#FFB3A9;font-family:var(--font-head);font-size:16px;text-align:right}

/* strips + sections */
.strip{background:var(--mist);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:16px var(--gut);flex-wrap:wrap;gap:10px 22px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{font-size:18px}
.emergency{background:var(--ink);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;color:#fff}
.emergency p{font-size:15px;color:#DCEBEE;margin-top:4px}
.sec{padding:64px 0;background:#fff}
.sec.tint{background:var(--mist)}
.kick{color:var(--teal-dd);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.sec-title,.sec>.wrap>h2{font-size:34px;margin:8px 0 26px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
article{min-width:0}
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{font-size:16.5px}
main p+p{margin-top:14px}
article h2+p,article h3+p{margin-top:14px}
article ul,article ol{margin:14px 0 4px 22px}
article li{margin-bottom:7px}
article li::marker{color:var(--teal-d)}
main p.defn{font-size:18px;border-left:4px solid var(--teal);padding:4px 0 4px 18px;margin:22px 0;color:var(--ink)}

/* prose */
.prose{max-width:820px;margin:0 0 26px}
.prose p{font-size:17px}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;display:flex;flex-direction:column}
.tint .card{border-color:#D7E7E7}
.card .ic{width:48px;height:48px;background:var(--mist);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:12px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:15px;color:var(--muted);margin-bottom:12px}
.card p+p{margin-top:0}
.card a.more{color:var(--teal-dd);font-weight:700;font-size:14.5px;text-decoration:none;margin-top:auto}
.card a.more:hover{text-decoration:underline}
article .cards{margin:18px 0 6px}
article .card h3{margin:0 0 8px;font-size:17px}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:18px 0 6px}
.prep{background:var(--mist);border:1px solid var(--line);border-radius:var(--r);padding:20px 20px 18px 66px;position:relative}
.prep .n{position:absolute;left:18px;top:18px;width:36px;height:36px;border-radius:50%;background:var(--coral);color:var(--ink);font:800 16px var(--font-head);display:flex;align-items:center;justify-content:center}
.prep h3{font-size:16.5px;margin:0 0 4px}
.prep p{font-size:15px;color:var(--muted)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--r);padding:24px;border:1px solid var(--line)}
.whycard .num{width:42px;height:42px;background:var(--teal-d);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font:700 17px var(--font-head);margin-bottom:12px}
.whycard h3{font-size:17px;margin-bottom:6px}
.whycard p{font-size:14.5px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;position:relative}
.step{text-align:center;padding:0 10px}
.step .n{width:56px;height:56px;border-radius:50%;background:var(--coral);color:var(--ink);font:800 21px var(--font-head);display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.step h3{font-size:17px;margin-bottom:6px}
.step p{font-size:14.5px;color:var(--muted)}

/* tables */
.tablewrap{overflow-x:auto;margin:18px 0 6px;border:1px solid var(--line);border-radius:var(--r)}
.tablewrap table{width:100%;border-collapse:collapse;min-width:520px;font-size:15px}
.tablewrap caption{caption-side:top;text-align:left;font:700 14px var(--font-head);padding:12px 16px;background:var(--mist);color:var(--ink)}
.tablewrap th{background:var(--teal-d);color:#fff;text-align:left;padding:12px 16px;font-size:13px;text-transform:uppercase;letter-spacing:.04em}
.tablewrap td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
.tablewrap td:first-child{font-weight:700;color:var(--ink)}
.tablewrap tr:nth-child(even) td{background:#FAFEFE}

/* callouts */
.callband{background:var(--mist);border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:var(--r);padding:20px 22px;margin:28px 0;display:flex;gap:18px;justify-content:space-between;align-items:center;flex-wrap:wrap}
.callband p{font-size:16.5px;max-width:520px;font-weight:600;margin:0}
.callband p+p{margin-top:0}
.safety{background:#FFF5F3;border:1px solid #F8C9C2;border-left:5px solid var(--coral);border-radius:var(--r);padding:18px 22px;margin:24px 0}
.safety .safety-title{margin:0 0 6px;font:700 17px var(--font-head)}
.safety p{font-size:15.5px}
.localnote{background:var(--mist);border:1px solid var(--line);border-radius:var(--r);padding:24px 26px;margin:34px 0}
.localnote h2{font-size:23px;margin:0 0 12px}
.localnote p{font-size:16px}

/* sidecard */
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 14px 34px rgba(15,42,61,.1);overflow:hidden}
.sidecard .sc-top{background:var(--teal-d);color:#fff;padding:18px 22px}
.sidecard .sc-kick{font-size:12.5px;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:#CDEAEA;display:flex;align-items:center;gap:8px}
.sidecard .sc-kick:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--coral)}
.sidecard h3{color:#fff;font-size:20px;margin:8px 0 0}
.sidecard .sc-body{padding:20px 22px 22px}
.sidecard .sc-body p{font-size:15px;color:var(--muted);margin-bottom:14px}
.sidecard ul{list-style:none;margin:16px 0 14px}
.sidecard li{font-size:14.5px;font-weight:600;padding:7px 0;border-top:1px solid var(--line)}
.sidecard li:before{content:"\2713\00a0";color:var(--teal-d);font-weight:800}
.sidecard .sc-link{font-size:14.5px;font-weight:700}
.sidecard .sc-link a{color:var(--teal-dd)}

/* faq */
.faq{margin:14px 0 6px;border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-h{margin:0;font-size:inherit;font-weight:inherit}
.faq-q{width:100%;text-align:left;background:none;border:0;font:700 17px var(--font-head);color:var(--ink);padding:18px 40px 18px 0;cursor:pointer;position:relative;line-height:1.35}
.faq-q:after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--teal-d);font-weight:500}
.faq-q[aria-expanded="true"]:after{content:"\2212"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .28s ease}
.faq-a-inner{padding:0 0 18px}
.faq-a-inner p{font-size:16px}
.faq-item.open .faq-a{max-height:1200px}

/* areas + links */
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.areas a{background:#fff;border:1px solid var(--line);padding:16px 18px;border-radius:12px;color:var(--ink);text-decoration:none;font-weight:700;font-size:16px;display:block}
.areas a small{display:block;font-weight:500;color:var(--muted);font-size:13.5px;margin-top:2px}
.areas a:hover{border-color:var(--teal-d)}
.insurepanel{background:var(--ink);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:15.5px;color:#DCEBEE;max-width:620px}
.ctaband{background:var(--teal-d);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{font-size:36px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:17px;margin:0 auto 22px;color:#E6F6F6;max-width:640px}
.bloglist{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.bloglist a.post{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--ink)}
.bloglist a.post{padding:0;overflow:hidden}
.bloglist a.post>*:not(.thumb){margin-left:22px;margin-right:22px}
.bloglist a.post .tag{display:block;margin-top:18px}
.bloglist a.post p{margin-bottom:22px}
.bloglist .thumb{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;margin:0}
figure.photo{margin:26px 0}
figure.photo img{display:block;width:100%;height:auto;border-radius:var(--r);border:1px solid var(--line)}
.bloglist a.post:hover{border-color:var(--teal-d)}
.bloglist .tag{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-dd)}
.bloglist h3{font-size:18px;margin:6px 0 6px}
.bloglist p{font-size:14.5px;color:var(--muted)}
.byline{font-size:14px;color:var(--muted);margin-bottom:18px}

/* map */
.mapwrap{background:var(--mist);padding:48px 0;border-top:1px solid var(--line)}
.mapwrap h2{font-size:28px;margin-bottom:6px}
.mapwrap p.sub{color:var(--muted);margin-bottom:18px;font-size:16px}
.mapframe{width:100%;height:380px;border:0;border-radius:var(--r);display:block;background:#E3EEEE}
.inmap{margin:22px 0 6px}
.inmap iframe{height:320px}

/* footer */
.site-footer{background:var(--ink);color:#C9DADF;padding:52px 0 28px;font-size:15px}
.site-footer .cols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px}
.site-footer h2{color:#fff;font-size:16px;margin-bottom:12px;font-family:var(--font-head)}
.site-footer h3{color:#fff;font-size:16px;margin-bottom:12px;font-family:var(--font-head)}
.site-footer a{color:#C9DADF;text-decoration:none;display:block;margin-bottom:8px}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer p{margin-bottom:8px}
.site-footer p+p{margin-top:0}
.site-footer .f-logo{display:block;width:250px;height:auto;margin-bottom:14px}
.site-footer .f-phone{color:#fff;font-weight:700;font-size:18px}
.site-footer .legal{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:18px;font-size:13.5px;color:#9FB6BD;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}

/* sticky call */
.stickybar,.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--ink);z-index:80;padding:10px 14px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;background:var(--coral);color:var(--ink);font-weight:800;font-size:16px;text-decoration:none;border-radius:100px;padding:12px}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--coral);color:var(--ink);display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(15,42,61,.3);z-index:70;transition:opacity .2s}
.floatcall.hide{opacity:0;pointer-events:none}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:44px;margin-bottom:12px}

@media(max-width:1100px){
  .logo-link img{width:215px}
  .nav-menu>li>a,.nav-menu>li>button{padding:10px 8px;font-size:14px}
}
@media(max-width:960px){
  .nav-menu{display:none}
  .menu-toggle{display:flex}
  .hero .wrap{grid-template-columns:1fr}
  .hero h1{font-size:34px}
  .pagehead h1{font-size:30px}
  .twocol{grid-template-columns:1fr}
  .sidecard{position:static}
  .cards,.why{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .areas{grid-template-columns:1fr 1fr}
  .insurepanel{grid-template-columns:1fr}
  .site-footer .cols{grid-template-columns:1fr 1fr}
  .stickybar,.sticky-cta{display:block}
  body{padding-bottom:70px}
  .floatcall{display:none}
}
@media(max-width:640px){
  :root{--gut:16px}
  .sec{padding:48px 0}
  .cards,.cards.two,.why,.steps,.areas,.bloglist,.prepcards{grid-template-columns:1fr}
  .site-footer .cols{grid-template-columns:1fr}
  .hero{padding:44px 0 48px}
  .hero h1{font-size:30px}
  .pagehead h1{font-size:27px}
  .sec>.wrap>h2{font-size:27px}
  article h2{font-size:24px}
  .logo-link img{width:200px}
  .site-nav .wrap{height:68px}
  .topbar .wrap{justify-content:center;text-align:center}
  .ctaband h2{font-size:28px}
  .callband{flex-direction:column;align-items:flex-start}
  .mapframe{height:300px}
}