:root{
  --navy:#2C2C82;--indigo:#3E3EA8;--amber:#F5A623;--amber-d:#D88E10;--ink:#20203A;--muted:#5C5C74;
  --tint:#F6F5FC;--line:#E4E2F2;--white:#fff;--soft:#CFCFEF;
  --font-body:'Nunito Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
  --font-head:'Sora','Nunito Sans',system-ui,Arial,sans-serif;
  --radius:14px;--gut:24px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);font-size:16px;color:var(--ink);background:var(--white);line-height:1.65}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2}
img,svg{max-width:100%;height:auto}
a{color:var(--indigo)}
.wrap{max-width:1180px;margin:0 auto;padding:0 var(--gut)}
.skip{position:absolute;left:-9999px;top:0;background:var(--amber);color:var(--ink);padding:10px 16px;z-index:100;font-weight:700}
.skip:focus{left:8px;top:8px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--amber);color:var(--ink);font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(245,166,35,.35);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--amber-d)}
.btn.alt{background:var(--indigo);color:#fff;box-shadow:0 10px 22px rgba(62,62,168,.3)}
.btn.alt:hover{background:var(--navy)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--indigo)}
.btn.sm{font-size:14px;padding:11px 20px}
.btn.block{display:flex;width:100%}

/* topbar + nav */
.topbar{background:var(--navy);color:var(--soft);font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px}
.topbar a{color:#fff;text-decoration:none;font-weight:700}
.topbar b{color:var(--amber)}
.siteheader{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:30}
.siteheader>.wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:inline-flex;align-items:center;text-decoration:none;flex:0 0 auto}
.logo img{display:block;width:auto;height:46px}
.mainnav{display:flex;align-items:center;gap:6px}
.mainnav>a,.mainnav .navtop{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;border-radius:8px;background:none;border:0;font-family:inherit;cursor:pointer}
.mainnav>a:hover,.mainnav .navtop:hover,.navitem:focus-within>.navtop{color:var(--indigo);background:var(--tint)}
.navitem{position:relative}
.navitem .navtop:after{content:"";display:inline-block;margin-left:7px;border:4px solid transparent;border-top-color:currentColor;border-bottom:0;vertical-align:middle}
.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 18px 40px rgba(32,32,58,.14);padding:8px;list-style:none;z-index:60}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:10px 12px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14px;border-radius:8px}
.dropmenu a:hover{background:var(--tint);color:var(--indigo)}
.navitem:hover>.dropmenu,.navitem:focus-within>.dropmenu,.navitem.open>.dropmenu{display:block}
.mainnav>a.btn{margin-left:8px;background:var(--amber);color:var(--ink);padding:11px 20px;font-size:14px}
.mainnav>a.btn:hover{background:var(--amber-d);color:var(--ink)}
.menubtn{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}
.menubtn span{display:block;width:22px;height:2px;background:var(--ink);border-radius:2px}
.mobilemenu{display:none;background:#fff;border-top:1px solid var(--line);padding:8px 0 20px}
.mobilemenu.open{display:block}
.mobilemenu h2{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);margin:16px 0 6px}
.mobilemenu ul{list-style:none}
.mobilemenu li{list-style:none}
.mobilemenu a{display:block;padding:11px 4px;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.mobilemenu .btn{margin-top:16px;border-bottom:0}

/* breadcrumbs */
.crumbs{font-size:13.5px;color:var(--soft);margin-bottom:14px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0}
.crumbs li{list-style:none}
.crumbs li+li:before{content:"/";margin-right:6px;opacity:.7}
.crumbs a{color:#fff}

/* page headers */
.pagehead{position:relative;isolation:isolate;overflow:hidden;background:linear-gradient(135deg,var(--navy) 0%,var(--indigo) 100%);color:#fff;padding:54px 0 58px}
.pagehead .wrap{position:relative;z-index:2}
.pagehead:after{content:"";position:absolute;right:-90px;top:-90px;width:340px;height:340px;border-radius:50%;background:rgba(245,166,35,.16);z-index:0}
.pagehead h1{font-size:clamp(28px,4.2vw,40px);line-height:1.14;max-width:860px}
.pagehead .hsub{font-size:18px;color:var(--soft);max-width:720px;margin-top:14px}
.pagehead .btn{margin-top:22px}
.pagehead.has-hero{background:var(--navy)}
.pagehead.has-hero:after{display:none}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.pagehead.has-hero:before,.hero.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(32,32,90,.84) 0%,rgba(44,44,130,.58) 55%,rgba(44,44,130,.22) 100%);z-index:-1}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--tint);color:var(--navy);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:16px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--amber)}
.badge.alt{background:var(--amber);color:var(--ink)}
.badge.alt:before{background:var(--ink)}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}
.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:5px 14px;border-radius:100px}
.zip-chip.primary{background:#fff;color:var(--navy);border-color:#fff}
.zips-label{width:100%;font-size:13px;color:var(--soft);font-weight:600}

/* home hero */
.hero{position:relative;isolation:isolate;overflow:hidden;background:#fff;padding:64px 0}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.hero h1{font-size:clamp(28px,4.6vw,44px);line-height:1.12;margin-bottom:16px}
.hero h1 span{color:var(--indigo)}
.hero p.lead{color:var(--muted);font-size:17px;max-width:520px;margin-bottom:24px}
.hero.has-hero{color:#fff;background:var(--navy)}
.hero.has-hero h1 span,.hero.has-hero p.lead{color:#fff}
.hero.has-hero .badge{background:rgba(255,255,255,.16);color:#fff}
.hero.has-hero .trustrow{color:var(--soft)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:18px;flex-wrap:wrap;color:var(--muted);font-size:13.5px;font-weight:600}
.trustrow span:before{content:"\2713";margin-right:6px;color:var(--indigo)}
.hero.has-hero .trustrow span:before{color:var(--amber)}
.statpanel{background:var(--navy);color:#fff;border-radius:var(--radius);padding:28px}
.statpanel h2{font-size:15px;opacity:.8;margin-bottom:14px;font-weight:600}
.strow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:14px}
.strow:last-child{border-bottom:none}
.strow b{color:var(--amber);font-family:var(--font-head);font-size:16px;text-align:right}

.strip{background:var(--tint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:18px var(--gut);flex-wrap:wrap;gap:10px 22px}
.stripitem{font-weight:700;font-size:14px;color:var(--navy)}
.stripitem:before{content:"";display:inline-block;width:9px;height:9px;border-radius:50%;background:var(--amber);margin-right:9px}
.emergency{background:var(--amber);color:var(--ink);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:14.5px}
.emergency .btn{background:var(--navy);color:#fff;box-shadow:none}

/* sections */
.sec{padding:72px 0;background:#fff}
.sec.tint{background:var(--tint)}
.kick{color:var(--navy);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2,.article h2{font-size:clamp(24px,3vw,32px);margin:10px 0 18px}
.article h2{margin-top:44px}
.article>h2:first-child,.article>.kick+h2{margin-top:10px}
.article h3,.sec h3{font-size:19px;margin:24px 0 8px}
main p+p{margin-top:14px}
main p{max-width:78ch}
main h2+p,main h3+p{margin-top:14px}
main ul,main ol{margin:14px 0 0 22px;max-width:78ch}
main li{margin-top:7px}
main li::marker{color:var(--indigo)}
.sec .wrap>p,.article>p{margin-top:14px}
.sec .wrap>h2+p{margin-top:0}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--navy);color:#fff;border-radius:var(--radius);padding:28px;box-shadow:0 18px 40px rgba(44,44,130,.22)}
.sidecard .skick{display:inline-flex;align-items:center;gap:8px;background:var(--amber);color:var(--ink);font-weight:800;font-size:12px;letter-spacing:.04em;padding:5px 12px;border-radius:100px;text-transform:uppercase}
.sidecard h3{font-size:20px;margin:14px 0 8px;color:#fff}
.sidecard p{color:var(--soft);font-size:14.5px;margin-bottom:16px}
.sidecard ul{list-style:none;margin:18px 0 0;padding:0}
.sidecard li{list-style:none;margin-top:0;padding:9px 0 9px 24px;position:relative;font-size:14px;border-top:1px solid rgba(255,255,255,.16)}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--amber);font-weight:800}
.sidecard .sidelink{display:block;margin-top:16px;color:#fff;font-weight:700;font-size:14px}
.sidecard .btn{color:var(--ink)}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:24px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--amber);border-radius:var(--radius);padding:24px}
.tint .card{background:#fff}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:15px;color:var(--muted);max-width:none}
.card p+p{margin-top:10px}
.card a{font-weight:700}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:26px;counter-reset:stp}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;counter-increment:stp;position:relative}
.step:before{content:counter(stp);display:flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;background:var(--amber);color:var(--ink);font-family:var(--font-head);font-weight:700;font-size:18px;margin-bottom:12px}
.step h3{font-size:16.5px;margin:0 0 6px}
.step p{font-size:14.5px;color:var(--muted)}
.steps.three{grid-template-columns:repeat(3,1fr)}
.steps.two{grid-template-columns:repeat(2,1fr)}
.prep{background:var(--tint);border:1px solid var(--line);border-radius:var(--radius);padding:26px;margin-top:22px}
.prep h3{margin-top:0}
.tablewrap{overflow-x:auto;margin-top:22px;border:1px solid var(--line);border-radius:var(--radius);-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
caption{text-align:left;font-weight:700;padding:12px 18px;color:var(--navy);caption-side:top;background:#fff}
th{background:var(--navy);color:#fff;text-align:left;padding:13px 18px;font-size:13px;letter-spacing:.05em;text-transform:uppercase}
td{padding:14px 18px;border-top:1px solid var(--line);vertical-align:top}
td:first-child{font-weight:700;color:var(--navy)}
tbody tr:nth-child(even) td{background:var(--tint)}
.callout{background:var(--tint);border-left:5px solid var(--amber);border-radius:0 var(--radius) var(--radius) 0;padding:20px 24px;margin-top:22px}
.callout h3{margin:0 0 6px;font-size:17px}
.callout p{color:var(--ink)}
.safety{background:#FFF4E0;border:2px solid var(--amber);border-radius:var(--radius);padding:22px 24px;margin-top:22px}
.safety h3{margin:0 0 8px;font-size:18px}
.safety ul{margin-top:8px}
.localnote{background:var(--tint);border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;margin-top:40px}
.localnote h2{margin-top:0;font-size:24px}
.insurepanel{background:var(--navy);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin-top:24px}
.insurepanel h3{font-size:24px;margin:0 0 8px;color:var(--amber)}
.insurepanel p{font-size:15px;color:var(--soft);max-width:560px}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:22px}
.areas a{background:#fff;border:1px solid var(--line);padding:14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px;text-align:center}
.areas a:hover{border-color:var(--indigo);color:var(--indigo)}
.bloglist{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:26px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.blogcard .bimg{aspect-ratio:16/9;background:linear-gradient(135deg,var(--navy),var(--indigo));position:relative}
.blogcard .bimg img{width:100%;height:100%;object-fit:cover;display:block}
.blogcard .btxt{padding:20px}
.blogcard h2{font-size:17px;margin:0 0 8px}
.blogcard h2 a{color:var(--ink);text-decoration:none}
.blogcard h2 a:hover{color:var(--indigo)}
.blogcard p{font-size:14.5px;color:var(--muted)}
.byline{font-size:14px;color:var(--soft);margin-top:12px}

/* FAQ */
.faq{margin-top:20px}
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-top:10px;overflow:hidden}
.faq summary{cursor:pointer;list-style:none;padding:16px 52px 16px 20px;font-weight:700;font-family:var(--font-head);font-size:16px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--indigo);line-height:1}
.faq details[open] summary:after{content:"\2212"}
.faq .ans{padding:0 20px 18px}
.faq .ans p{max-width:none}

.ctaband{background:var(--navy);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:36px;margin-bottom:10px}
.ctaband p{font-size:17px;margin:0 auto 24px;color:var(--soft);max-width:640px}
.mapwrap{background:var(--tint);padding:46px 0}
.mapwrap h2{font-size:24px;margin-bottom:6px}
.mapwrap p{color:var(--muted);margin-bottom:16px}
.mapframe{width:100%;height:380px;border:0;border-radius:var(--radius);display:block}
.mapframe.tall{height:420px}

/* footer */
footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 34px;font-size:14.5px}
footer .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
footer h2{color:var(--ink);font-size:16px;margin-bottom:12px}
footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:8px}
footer a:hover{color:var(--indigo)}
footer p{color:var(--muted);margin-top:8px}
footer .flogo img{height:50px;width:auto;display:block;margin-bottom:12px}
footer ul{list-style:none;margin:0}
footer li{list-style:none;margin:0}
.fbottom{grid-column:1/-1;border-top:1px solid var(--line);padding-top:20px;color:var(--muted);font-size:13.5px}

/* sticky call */
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);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:15px;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;box-shadow:0 10px 24px rgba(32,32,58,.3);z-index:40;text-decoration:none}
.floatcall svg{width:26px;height:26px}
.notfound{padding:90px 0;text-align:center}

@media(max-width:900px){
  .siteheader>.wrap{height:68px}
  .logo img{height:40px}
  .mainnav{display:none}
  .menubtn{display:flex}
  .hero .wrap,.insurepanel,.twocol{grid-template-columns:minmax(0,1fr)}
  .sidecard{position:static}
  .cards,.bloglist{grid-template-columns:1fr 1fr}
  .steps,.steps.three{grid-template-columns:1fr 1fr}
  .areas{grid-template-columns:1fr 1fr}
  footer .wrap{grid-template-columns:1fr 1fr}
  .stickybar{display:block}
  .floatcall{display:none}
  body{padding-bottom:64px}
  .topbar .wrap>div:first-child{display:none}
  .topbar .wrap{justify-content:center}
}
@media(max-width:560px){
  :root{--gut:18px}
  .cards,.cards.two,.bloglist,.steps,.steps.three,.steps.two{grid-template-columns:1fr}
  .sec{padding:52px 0}
  .sec h2,.article h2{font-size:26px}
  .ctaband h2{font-size:28px}
  footer .wrap{grid-template-columns:1fr}
  .pagehead{padding:40px 0 44px}
  .btn{width:100%}
  .cta-row .btn{width:100%}
}
.hamburger{-webkit-tap-highlight-color:transparent}
.mob-drawer{overscroll-behavior:contain}
.sticky-cta{-webkit-tap-highlight-color:transparent}
.twocol>*,.article{min-width:0}
main p,main li,main td{overflow-wrap:anywhere}