:root{
--navy:#0F2A3D;--teal:#0AA6A6;--teal-d:#087F7F;--teal-dd:#076F6F;--coral:#CF4130;--coral-d:#B5382A;
--ink:#0F2A3D;--muted:#4F636D;--bg:#fff;--tint:#F4FBFB;--line:#D5E6E6;--white:#fff;--soft-white:#F0FAFA;
--font-head:'Plus Jakarta Sans',Arial,sans-serif;--font-body:'DM Sans',Arial,sans-serif;
--radius:14px;--shadow:0 8px 24px rgba(15,42,61,.08);--wrap:1180px;--nav-h:76px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-padding-top:90px}
body{font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-d)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:10000}
.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--coral);color:#fff;font-weight:700;font-size:17px;padding:15px 28px;text-decoration:none;border-radius:100px;box-shadow:0 8px 20px rgba(207,65,48,.3);border:2px solid transparent;line-height:1.2}
.btn:hover{background:var(--coral-d)}
.btn.alt{background:var(--teal-d);box-shadow:0 8px 20px rgba(8,127,127,.3)}
.btn.alt:hover{background:var(--teal-dd)}
.btn.ghost{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--tint)}
.btn.dark{background:var(--navy);box-shadow:none}
.btn.small{font-size:15px;padding:11px 20px}
/* topbar */
.topbar{background:var(--teal-d);color:#fff;font-size:14.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;align-items:center}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar a:hover{text-decoration:underline}
/* header */
.site-header{background:#fff;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;height:var(--nav-h)}
.logo{display:block;flex-shrink:1;min-width:0}
.logo img{height:44px;width:auto;max-width:100%}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links>li>a{display:block;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:10px 12px;border-radius:8px}
.nav-links>li>a:hover{color:var(--teal-d);background:var(--tint)}
.nav-links>li>a.nav-cta{background:var(--coral);color:#fff;padding:11px 20px;border-radius:100px;margin-left:8px;font-weight:700}
.nav-links>li>a.nav-cta:hover{background:var(--coral-d)}
.has-dropdown{position:relative}
.dropdown{position:absolute;top:100%;left:0;min-width:270px;padding:8px 0;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .15s,visibility .15s,transform .15s;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;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px}
.dropdown a:hover{background:var(--tint);color:var(--teal-d)}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:46px;min-height:46px;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:26px;height:3px;background:var(--navy);border-radius:2px;transition:transform .2s,opacity .2s}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(340px,88vw);background:#fff;z-index:9999;transform:translateX(100%);visibility:hidden;transition:transform .3s ease,visibility .3s;overflow-y:auto;padding:20px 22px 32px}
.mob-drawer.open{transform:translateX(0);visibility:visible}
.drawer-close{display:block;margin-left:auto;background:none;border:0;font-size:30px;line-height:1;cursor:pointer;color:var(--navy);min-width:46px;min-height:46px}
.mob-drawer ul{list-style:none;margin:6px 0 0}
.mob-drawer li a{display:block;padding:13px 0;font-size:17px;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.mob-drawer .drawer-sub{padding-left:16px;font-weight:500;font-size:16px}
.mob-drawer .drawer-head{font-family:var(--font-head);font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:18px 0 0;font-weight:700}
.mob-drawer a.drawer-cta{background:var(--coral);color:#fff;text-align:center;border-radius:100px;margin-top:20px;border:0;font-weight:700}
.mob-overlay{position:fixed;inset:0;background:rgba(15,42,61,.55);z-index:9998;opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s}
.mob-overlay.visible{opacity:1;visibility:visible}
/* badges */
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--tint);color:var(--teal-dd);font-weight:700;font-size:14px;padding:8px 16px;border-radius:100px;margin-bottom:18px;border:1px solid var(--line)}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--coral);flex:none}
.badge.badge-alt{background:#fff;color:var(--navy);border-color:#fff}
/* home hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--tint) 100%);padding:64px 0;position:relative;isolation:isolate;overflow:hidden}
.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);margin-bottom:16px}
.hero h1 span{color:var(--teal-d)}
.hero p.lead{color:var(--muted);font-size:18px;max-width:520px;margin-bottom:24px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 20px;flex-wrap:wrap;color:var(--muted);font-size:14.5px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--teal-d);font-weight:800}
.statpanel{background:var(--teal-d);color:#fff;border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.statpanel h2{font-size:17px;color:#fff;margin-bottom:12px;font-weight:700}
.strow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.25);font-size:15px}
.strow:last-child{border-bottom:none}
.strow b{color:#fff;font-family:var(--font-head);font-size:16px;text-align:right}
.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;z-index:-1;background:linear-gradient(135deg,rgba(7,111,111,.9),rgba(15,42,61,.88))}
.hero.has-hero,.hero.has-hero h1,.hero.has-hero p.lead,.hero.has-hero .trustrow{color:#fff}
.hero.has-hero h1 span{color:#fff;text-decoration:underline;text-decoration-color:var(--coral)}
.hero.has-hero .btn.ghost{background:transparent;color:#fff;border-color:#fff}
/* strip */
.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 24px;flex-wrap:wrap;gap:12px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14.5px}
.stripitem .ic{color:var(--teal-d);font-size:19px}
.emergency{background:var(--coral);color:#fff;padding:24px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px}
.emergency h2,.emergency h3{font-size:22px;color:#fff}
.emergency p{font-size:15.5px;color:#fff}
.emergency .btn{background:var(--navy);box-shadow:none}
.emergency .btn:hover{background:#08202f}
/* sections */
.sec{padding:76px 0;background:#fff}
.sec.tint{background:var(--tint)}
.kick{color:var(--teal-dd);font-weight:700;font-size:13.5px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.sec-title{font-size:clamp(1.6rem,3.2vw,2.2rem);margin:10px 0 18px}
.sec-intro{max-width:760px;color:var(--muted);margin-bottom:30px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card .ic{width:50px;height:50px;background:var(--tint);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:19px;margin-bottom:8px}
.card p{font-size:16px;color:var(--muted)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;text-align:center}
.whycard .num{width:46px;height:46px;background:var(--teal-d);color:#fff;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:19px}
.whycard h3{font-size:17.5px;margin-bottom:6px}
.whycard p{font-size:16px;color:var(--muted)}
.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(--coral);color:#fff;font-family:var(--font-head);font-weight:700;font-size:23px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{font-size:18px;margin-bottom:6px}
.step p{font-size:16px;color:var(--muted)}
.insurepanel{background:var(--teal-d);color:#fff;border-radius:16px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h2{font-size:clamp(1.4rem,2.6vw,1.8rem);margin-bottom:10px;color:#fff}
.insurepanel p{font-size:16.5px;color:var(--soft-white);max-width:620px}
.insurepanel p+p{margin-top:12px}
.insurepanel a:not(.btn){color:#fff;font-weight:700}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}
.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:15.5px;text-align:center}
.areas a:hover{background:var(--tint);color:var(--teal-dd)}
.ctaband{background:var(--teal-d);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:clamp(1.6rem,3.4vw,2.3rem);margin-bottom:10px;color:#fff}
.ctaband p{font-size:17px;margin:0 auto 24px;max-width:640px;color:var(--soft-white)}
.ctaband .btn{background:var(--coral)}
/* inner page head */
.pagehead{background:linear-gradient(135deg,var(--teal-dd) 0%,var(--navy) 100%);color:#fff;padding:46px 0 50px;position:relative;isolation:isolate;overflow:hidden}
.pagehead h1{color:#fff;font-size:clamp(1.8rem,4vw,2.6rem);max-width:860px;margin-bottom:12px}
.pagehead p.sub{color:var(--soft-white);font-size:18px;max-width:760px;margin-bottom:22px}
.pagehead .cta-row{margin-bottom:0}
.pagehead .btn.ghost{background:transparent;color:#fff;border-color:#fff}
.crumbs{list-style:none;display:flex;flex-wrap:wrap;gap:6px;font-size:14.5px;margin-bottom:16px}
.crumbs li+li:before{content:"/";margin-right:6px;color:var(--soft-white)}
.crumbs a{color:#fff}
.crumbs li{color:var(--soft-white)}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px;list-style:none}
.zip-chip{background:#fff;color:var(--navy);font-weight:700;font-size:14.5px;padding:5px 14px;border-radius:100px;font-family:var(--font-head)}
.meta-line{font-size:14.5px;color:var(--soft-white);margin-bottom:18px}
/* article body */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.article{max-width:760px;min-width:0}
.article h2{font-size:clamp(1.45rem,2.6vw,1.9rem);margin:44px 0 14px}
.article h2:first-child{margin-top:0}
.article h3{font-size:1.25rem;margin:28px 0 10px}
main p{margin:0}
main p+p{margin-top:14px}
.article h2+p,.article h3+p{margin-top:14px}
.article ul,.article ol{margin:14px 0 0 22px}
.article li{margin-top:7px}
.article a{font-weight:600}
.callout{background:var(--tint);border:1px solid var(--line);border-left:6px solid var(--teal-d);border-radius:12px;padding:22px 24px;margin:26px 0}
.callout h3{margin:0 0 8px;font-size:1.1rem}
.callout.warn{border-left-color:var(--coral);background:#FFF6F4}
.checklist{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:12px}
.checklist li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;margin:0}
.checklist li:before{content:"\2713";flex:none;width:26px;height:26px;border-radius:50%;background:var(--teal-d);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;font-size:14px;margin-top:1px}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:20px 0 0}
.prepcard{background:#fff;border:1px solid var(--line);border-top:5px solid var(--coral);border-radius:12px;padding:18px 20px}
.prepcard h3{font-size:1.05rem;margin:0 0 6px}
.prepcard p{font-size:16px;color:var(--muted)}
.table-wrap{overflow-x:auto;margin:22px 0 0;border:1px solid var(--line);border-radius:12px}
.datatable{width:100%;border-collapse:collapse;font-size:16px;min-width:520px}
.datatable caption{text-align:left;font-weight:700;padding:14px 16px;font-family:var(--font-head);background:var(--tint)}
.datatable th{background:var(--teal-d);color:#fff;text-align:left;padding:12px 16px;font-size:14.5px}
.datatable td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
.datatable tr:nth-child(even) td{background:var(--tint)}
.localnote{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px 28px;margin:30px 0;box-shadow:var(--shadow);border-top:6px solid var(--teal-d)}
.localnote h2{margin:0 0 12px;font-size:1.4rem}
.localnote .src{font-size:14.5px;color:var(--muted);margin-top:12px}
.costbox{background:var(--tint);border:1px solid var(--line);border-radius:14px;padding:24px 26px;margin:28px 0}
.costbox h2{margin:0 0 10px;font-size:1.4rem}
.faq-list{margin-top:18px;display:grid;gap:10px}
.faq-item{border:1px solid var(--line);border-radius:12px;background:#fff}
.faq-item summary{cursor:pointer;font-weight:700;font-family:var(--font-head);padding:16px 20px;list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:flex-start}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary:after{content:"+";font-size:22px;line-height:1;color:var(--teal-d);flex:none}
.faq-item[open] summary:after{content:"\2212"}
.faq-item .faq-a{padding:0 20px 18px}
.cta-inline{background:var(--teal-d);color:#fff;border-radius:14px;padding:28px;margin:34px 0 0;text-align:center}
.cta-inline h2{color:#fff;margin:0 0 8px;font-size:1.5rem}
.cta-inline p{color:var(--soft-white);margin-bottom:16px}
.cta-inline .btn{background:var(--coral)}
.byline{font-size:14.5px;color:var(--muted);margin-bottom:22px}
/* sidecard */
.sidecard{position:sticky;top:96px;align-self:start;background:#fff;border:1px solid var(--line);border-top:6px solid var(--coral);border-radius:14px;padding:24px;box-shadow:var(--shadow)}
.side-kicker{font-size:13px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--coral)}
.sidecard h3{font-size:1.2rem;margin:8px 0 8px}
.sidecard p.side-copy{font-size:16px;color:var(--muted);margin-bottom:16px}
.sidecard .btn{width:100%}
.side-list{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:8px;font-size:15.5px;font-weight:600}
.side-list li:before{content:"\2713\00a0";color:var(--teal-d);font-weight:800}
.side-link{margin-top:16px;padding-top:14px;border-top:1px solid var(--line);font-size:15.5px}
/* blog index */
.bloglist{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;list-style:none}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;display:flex;flex-direction:column}
.blogthumb{height:120px;background:linear-gradient(135deg,var(--teal-dd),var(--navy))}
.blogthumb.t2{background:linear-gradient(135deg,var(--teal-d),#124a5f)}
.blogthumb.t3{background:linear-gradient(135deg,#0d5b73,var(--teal-dd))}
.blogcard .bc-body{padding:20px;display:flex;flex-direction:column;gap:8px;flex:1}
.blogcard h3{font-size:1.05rem}
.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h3 a:hover{color:var(--teal-d)}
.blogcard p{font-size:15.5px;color:var(--muted)}
.blogtag{font-size:12.5px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--teal-dd)}
/* maps */
.map-sec{padding:56px 0;background:var(--tint);border-top:1px solid var(--line)}
.map-sec h2{font-size:clamp(1.4rem,2.8vw,1.9rem);margin-bottom:8px}
.map-sec p{color:var(--muted);margin-bottom:18px;max-width:760px}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:14px;overflow:hidden;border:1px solid var(--line)}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.loc-map{margin:30px 0 0}
/* footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:54px 0 30px;font-size:15.5px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1.2fr;gap:32px}
.foot-logo img{height:44px;width:auto;margin-bottom:12px}
.site-footer h2{font-size:16px;margin-bottom:12px;color:var(--ink)}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:8px}
.site-footer a{color:var(--muted);text-decoration:none}
.site-footer a:hover{color:var(--teal-d);text-decoration:underline}
.site-footer address{font-style:normal;color:var(--muted)}
.site-footer .foot-tel{font-weight:700;color:var(--ink);font-size:18px}
.foot-bottom{margin-top:34px;padding-top:20px;border-top:1px solid var(--line);color:var(--muted);font-size:14.5px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
/* sticky */
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--teal-d);z-index:90;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:#fff;font-weight:700;font-size:16px;text-decoration:none}
.float-call{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:var(--coral);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;z-index:90;box-shadow:0 8px 20px rgba(207,65,48,.4)}
.float-call:hover{background:var(--coral-d)}
.legal h2{font-size:1.35rem;margin:32px 0 10px}
.legal h2:first-child{margin-top:0}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:clamp(2rem,5vw,3rem);margin-bottom:14px}
.notfound p{max-width:560px;margin:0 auto 22px;color:var(--muted)}
.notfound-links{margin-top:18px}
.center-narrow{max-width:760px}
@media(max-width:960px){
.nav-links{display:none}
.hamburger{display:flex}
.hero-grid,.insurepanel,.twocol{grid-template-columns:minmax(0,1fr)}
.cards,.why,.steps,.bloglist{grid-template-columns:1fr 1fr}
.steps:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.foot-grid{grid-template-columns:1fr 1fr}
.sidecard{position:static}
.float-call{display:none}
}
@media(max-width:640px){
body{font-size:16.5px;padding-bottom:64px}
.sticky-cta{display:block}
.topbar .wrap{flex-direction:column;gap:2px;align-items:flex-start}
.topbar{font-size:14px}
.cards,.why,.steps,.bloglist,.prepcards,.foot-grid,.areas{grid-template-columns:1fr}
.sec{padding:54px 0}
.hero{padding:44px 0}
.pagehead{padding:34px 0 38px}
.logo img{height:38px}
.wrap{padding:0 18px}
.map-wrap{padding-bottom:75%}
.localnote,.costbox{padding:20px}
.strip .wrap{flex-direction:column}
.cta-row .btn{width:100%}
}

.card{overflow:hidden}
.card-img{display:block;width:calc(100% + 52px);max-width:none;margin:-26px -26px 18px;aspect-ratio:16/9;object-fit:cover;height:auto;background:var(--tint)}
.blogthumb-img{display:block;width:100%;aspect-ratio:16/9;height:auto;object-fit:cover;background:var(--tint)}
.figure{margin:26px 0;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff}
.figure img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.figure figcaption{padding:12px 18px;font-size:15px;color:var(--muted)}