:root{--navy:#2C2C82;--indigo:#3E3EA8;--indigo-d:#32328A;--amber:#F5A623;--amber-d:#D88E10;--ink:#20203A;--muted:#55556E;--line:#E4E2F2;--tint:#F6F5FC;--white:#fff;--radius:14px;--shadow:0 10px 28px rgba(32,32,58,.08);--f-head:'Sora',system-ui,sans-serif;--f-body:'Nunito Sans',system-ui,sans-serif;--gap:24px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--f-body);font-size:17px;line-height:1.7;color:var(--ink);background:var(--white);-webkit-text-size-adjust:100%}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,h4{font-family:var(--f-head);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
a{color:var(--indigo)}
a:hover{color:var(--navy)}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--ink);padding:10px 16px;z-index:100;font-weight:700}
.skip:focus{left:8px;top:8px}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.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:15px 28px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(245,166,35,.35);border:0;cursor:pointer;line-height:1.2;text-align:center}
.btn:hover{background:var(--amber-d);color:var(--ink)}
.btn.alt{background:var(--indigo);color:#fff;box-shadow:0 10px 22px rgba(62,62,168,.3)}
.btn.alt:hover{background:var(--indigo-d);color:#fff}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--tint);color:var(--ink)}
.btn.sm{font-size:14px;padding:11px 20px}
.btn.block{display:flex;width:100%}
/* topbar and nav */
.topbar{background:var(--navy);color:#CFCFEF;font-size:13.5px;padding:9px 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 b{color:var(--amber)}
.navbar{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:40}
.navbar .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;text-decoration:none;flex:0 0 auto}
.logo img{height:34px;width:auto;max-width:100%}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none}
.nav-links>li{position:relative}
.nav-links>li>a{display:block;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;border-radius:8px}
.nav-links>li>a:hover{color:var(--indigo);background:var(--tint)}
.nav-links .nav-cta{background:var(--amber);color:var(--ink);font-weight:700;margin-left:10px;padding:11px 20px}
.nav-links .nav-cta:hover{background:var(--amber-d);color:var(--ink)}
.dd-arrow{font-size:11px;margin-left:3px}
.dropdown{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:14px;z-index:60;list-style:none;min-width:240px}
.has-dropdown:hover>.dropdown,.has-dropdown:focus-within>.dropdown,.has-dropdown.open>.dropdown{display:block}
.dropdown li{list-style:none}
.dropdown a{display:block;padding:8px 10px;color:var(--ink);text-decoration:none;font-size:14px;font-weight:600;border-radius:8px}
.dropdown a:hover{background:var(--tint);color:var(--indigo)}
.dropdown .dd-label{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);font-weight:700;padding:6px 10px 2px}
.dropdown.mega{width:min(720px,92vw);left:auto;right:-330px;transform:none;display:none;grid-template-columns:1fr 1fr 1fr;gap:6px 18px}
.has-dropdown:hover>.dropdown.mega,.has-dropdown:focus-within>.dropdown.mega,.has-dropdown.open>.dropdown.mega{display:grid}
.dropdown.mega ul{list-style:none}
.dropdown.mega .dd-all{grid-column:1/-1;border-top:1px solid var(--line);margin-top:6px;padding-top:6px}
.hamburger{display:none;background:var(--tint);border:1px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px;flex:0 0 auto}
.hamburger span{display:block;width:22px;height:2px;background:var(--ink);border-radius:2px}
.mob-drawer{position:fixed;inset:0;background:rgba(32,32,58,.6);z-index:90;display:none}
.mob-drawer.open{display:block}
.drawer-inner{position:absolute;top:0;right:0;bottom:0;width:min(360px,92vw);background:var(--ink);color:#fff;padding:22px 22px 40px;overflow-y:auto}
.drawer-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px;gap:10px}
.drawer-top img{height:28px;width:auto;max-width:calc(100% - 52px)}
.drawer-close{background:rgba(255,255,255,.12);border:0;color:#fff;width:42px;height:42px;border-radius:10px;font-size:20px;cursor:pointer;flex:0 0 auto}
.drawer-inner ul{list-style:none}
.drawer-inner a{display:block;color:#fff;text-decoration:none;font-weight:600;padding:11px 4px;border-bottom:1px solid rgba(255,255,255,.12);font-size:16px}
.drawer-inner a:hover{color:var(--amber)}
.drawer-inner .drawer-label{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--amber);font-weight:700;margin:18px 0 4px}
.drawer-inner a.drawer-call{background:var(--amber);color:var(--ink);text-align:center;border-radius:10px;margin-top:18px;border-bottom:0;font-weight:700}
/* hero */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden;color:#fff;background:linear-gradient(135deg,#20204F 0%,#2C2C82 55%,#3E3EA8 100%)}
.hero{padding:72px 0}
.pagehead{padding:56px 0 52px}
.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(100deg,rgba(24,24,70,.92) 0%,rgba(32,32,90,.8) 55%,rgba(32,32,90,.55) 100%)}
.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,4.4vw,46px);margin-bottom:16px}
.hero h1 span{color:var(--amber)}
.hero p.lead,.pagehead p.lead{color:#E3E3F7;font-size:18px;max-width:560px;margin-bottom:24px}
.pagehead h1{font-size:clamp(28px,4vw,40px);margin-bottom:14px;max-width:860px}
.pagehead p.lead{margin-bottom:20px}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);color:#fff;font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px;border:1px solid rgba(255,255,255,.25)}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--amber)}
.badge-alt{background:var(--amber);color:var(--ink);border-color:var(--amber)}
.badge-alt:before{background:var(--ink)}
.crumbs{font-size:13.5px;color:#CFCFEF;margin-bottom:16px}
.crumbs a{color:#fff;text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.crumbs span.sep{margin:0 6px;opacity:.7}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.hero .btn.ghost,.pagehead .btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
.hero .btn.ghost:hover,.pagehead .btn.ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.trustrow{display:flex;gap:10px 20px;flex-wrap:wrap;color:#E3E3F7;font-size:14px;font-weight:600}
.trustrow span:before{content:"\2713\00a0";color:var(--amber)}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:6px 0 18px}
.zip-chip{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.3);color:#fff;font-weight:700;font-size:13.5px;padding:5px 13px;border-radius:100px}
.statpanel{background:#fff;color:var(--ink);border-radius:var(--radius);padding:28px;box-shadow:0 18px 40px rgba(0,0,0,.25)}
.statpanel h2{font-size:15px;color:var(--navy);margin-bottom:12px;text-transform:uppercase;letter-spacing:.08em}
.strow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line);font-size:14.5px}
.strow:last-child{border-bottom:none}
.strow b{color:var(--navy);font-family:var(--f-head);font-size:15px;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 24px;flex-wrap:wrap;gap:10px 20px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem svg{width:22px;height:22px;flex:0 0 22px;stroke:var(--indigo);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.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:15px}
.emergency .btn{background:var(--navy);color:#fff;box-shadow:none}
.emergency .btn:hover{background:var(--ink);color:#fff}
/* sections */
.sec{padding:70px 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.sec-title{font-size:clamp(26px,3.4vw,36px);margin:10px 0 28px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
article{min-width:0}
article h2{font-size:clamp(23px,2.8vw,29px);margin:44px 0 14px}
article>h2:first-child,article>.lede+h2{margin-top:30px}
article h3{font-size:20px;margin:26px 0 10px}
main p{max-width:74ch}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
article ul,article ol{margin:14px 0 14px 22px;max-width:74ch}
article li{margin-bottom:8px}
.lede{font-size:19px;color:var(--ink)}
.lede p{max-width:74ch}
.panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px 26px;margin:22px 0;box-shadow:var(--shadow)}
.panel h2,.panel h3{margin-top:0}
.panel>*:first-child{margin-top:0}
.panel.callout{background:var(--tint);border-left:5px solid var(--amber)}
.panel.safety{background:#FFF7E8;border:1px solid #F3D9A4;border-left:5px solid var(--amber-d)}
.panel.localnote{background:var(--tint);border:1px solid var(--line);border-left:5px solid var(--indigo)}
.panel.cost{border-top:5px solid var(--indigo)}
.checklist{list-style:none;margin:14px 0;padding:0}
.checklist li{position:relative;padding-left:30px;margin-bottom:10px}
.checklist li:before{content:"\2713";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--indigo);color:#fff;font-size:13px;font-weight:700;display:flex;align-items:center;justify-content:center;line-height:1}
.prep-cards,.steps-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px;margin:20px 0}
.prep-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow);position:relative}
.prep-card .n{width:38px;height:38px;border-radius:50%;background:var(--amber);color:var(--ink);font-family:var(--f-head);font-weight:700;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.prep-card h3{font-size:17px;margin:0 0 6px}
.prep-card p{font-size:15.5px;line-height:1.6}
.table-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.ptable{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
.ptable caption{caption-side:top;text-align:left;font-weight:700;padding:14px 18px;color:var(--navy);font-family:var(--f-head);font-size:15px}
.ptable th{background:var(--navy);color:#fff;text-align:left;padding:13px 16px;font-size:13px;letter-spacing:.04em;text-transform:uppercase}
.ptable td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
.ptable td:first-child{font-weight:700;color:var(--navy)}
.ptable tr:nth-child(even) td{background:var(--tint)}
/* sidecard */
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-top:5px solid var(--amber);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.sidecard .kick{display:block;margin-bottom:6px}
.sidecard h3{font-size:19px;margin-bottom:8px}
.sidecard p{font-size:15px;line-height:1.55;margin-bottom:14px}
.sidecard ul{list-style:none;margin:16px 0 14px;padding:0}
.sidecard li{font-size:14.5px;font-weight:600;padding:6px 0 6px 26px;position:relative;border-bottom:1px solid var(--line);margin:0}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--indigo);font-weight:700}
.sidecard .sidelink{font-size:14.5px;font-weight:700}
/* cards */
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;box-shadow:var(--shadow)}
.card .ic{width:50px;height:50px;background:var(--tint);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.card .ic svg{width:26px;height:26px;stroke:var(--indigo);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card h3{font-size:18px;margin-bottom:8px}
.card h3 a{color:var(--ink);text-decoration:none}
.card h3 a:hover{color:var(--indigo)}
.card p{font-size:15px;color:var(--muted);margin-bottom:12px;line-height:1.6}
.card .more{margin-top:auto;font-weight:700;font-size:14.5px;text-decoration:none}
.group-title{font-size:20px;margin:36px 0 14px;display:flex;align-items:center;gap:10px}
.group-title:before{content:"";width:6px;height:22px;background:var(--amber);border-radius:3px}
.why{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.whycard{background:#fff;border-radius:var(--radius);padding:24px;text-align:left;border:1px solid var(--line)}
.whycard .num{width:44px;height:44px;background:var(--indigo);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--f-head);font-weight:700;margin-bottom:14px;font-size:18px}
.whycard h3{font-size:17px;margin-bottom:6px}
.whycard p{font-size:15px;color:var(--muted);line-height:1.6}
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;position:relative}
.step{text-align:center;padding:0 10px;position:relative}
.step .n{width:60px;height:60px;border-radius:50%;background:var(--amber);color:var(--ink);font-family:var(--f-head);font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.step h3{font-size:17px;margin-bottom:6px}
.step p{font-size:15px;color:var(--muted);margin:0 auto;line-height:1.6}
.linkgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;box-shadow:var(--shadow)}
.blogcard img{width:100%;aspect-ratio:16/9;object-fit:cover}
.blogcard .bc-body{padding:20px;display:flex;flex-direction:column;flex:1}
.blogcard h3{font-size:17.5px;margin-bottom:8px;line-height:1.3}
.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h3 a:hover{color:var(--indigo)}
.blogcard p{font-size:15px;color:var(--muted);line-height:1.6;margin-bottom:12px}
.blogcard .more{margin-top:auto;font-weight:700;font-size:14.5px;text-decoration:none}
.byline{font-size:14px;color:#E3E3F7;margin-top:2px}
/* faq */
.faq{margin:18px 0}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff;overflow:hidden}
.faq-q{width:100%;text-align:left;background:#fff;border:0;padding:17px 20px;font-family:var(--f-head);font-size:16.5px;font-weight:600;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;gap:14px;align-items:center;line-height:1.35}
.faq-q:hover{background:var(--tint)}
.faq-q:after{content:"+";font-size:22px;color:var(--indigo);flex:0 0 auto;line-height:1}
.faq-q[aria-expanded="true"]:after{content:"\2212"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-a-in{padding:0 20px 18px}
.faq-a-in p{font-size:16px}
.no-js .faq-a{max-height:none}
/* cta bands */
.midcta{background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px 28px;margin:30px 0;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.midcta h3{color:#fff;font-size:20px;margin:0 0 4px}
.midcta p{color:#DCDCF2;font-size:15.5px;max-width:48ch;margin:0}
.ctaband{background:var(--navy);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:clamp(26px,3.6vw,38px);margin-bottom:10px;color:#fff}
.ctaband p{font-size:17px;margin:0 auto 24px;color:#DCDCF2;max-width:60ch}
.insurepanel{background:var(--navy);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:var(--amber)}
.insurepanel p{font-size:16px;color:#DCDCF2;max-width:56ch}
.areas{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:10px}
.areas a{background:#fff;border:1px solid var(--line);padding:13px 14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px;text-align:center}
.areas a:hover{background:var(--tint);color:var(--indigo)}
/* map */
.mapsec{background:var(--tint);padding:50px 0;border-top:1px solid var(--line)}
.mapsec h2{font-size:24px;margin-bottom:6px}
.mapsec p{font-size:15.5px;margin-bottom:16px;color:var(--muted)}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:#fff}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-wrap.tall{padding-bottom:50%}
/* footer */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:54px 0 40px;font-size:14.5px}
.site-footer .wrap{display:grid;grid-template-columns:1.5fr 1.7fr 1fr 1.1fr;gap:32px}
.foot-h{font-family:var(--f-head);font-weight:700;color:var(--ink);font-size:15px;margin-bottom:10px}
.foot-sub{font-weight:700;color:var(--navy);font-size:12px;letter-spacing:.08em;text-transform:uppercase;margin:12px 0 4px}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:6px}
.site-footer a:hover{color:var(--indigo)}
.site-footer p{color:var(--muted);font-size:14.5px;max-width:42ch;margin-bottom:8px}
.site-footer address{font-style:normal;color:var(--muted);line-height:1.6;margin-bottom:8px}
.foot-logo img{height:34px;width:auto;margin-bottom:14px}
.foot-bottom{background:#fff;border-top:1px solid var(--line);padding:16px 0;font-size:13.5px;color:var(--muted)}
.foot-bottom .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.foot-bottom a{color:var(--muted);margin-left:14px;text-decoration:none}
/* persistent CTA */
.stickybar,.sticky-bar{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:15.5px;text-decoration:none}
.fab{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 22px rgba(245,166,35,.45);z-index:45;text-decoration:none}
.fab svg{width:26px;height:26px;fill:var(--ink)}
.fab:hover{background:var(--amber-d)}
.legal h2{font-size:22px}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:clamp(30px,5vw,48px);margin-bottom:12px}
.notfound p{margin:0 auto 22px}
@media(max-width:1080px){.nav-links>li>a{padding:10px 9px;font-size:14px}.logo img{height:30px}}
@media(max-width:900px){
.hero .wrap,.insurepanel{grid-template-columns:1fr}
.twocol{grid-template-columns:1fr}
.sidecard{position:static}
.cards,.linkgrid{grid-template-columns:repeat(2,minmax(0,1fr))}
.why,.steps{grid-template-columns:repeat(2,minmax(0,1fr))}
.areas{grid-template-columns:repeat(2,minmax(0,1fr))}
.site-footer .wrap{grid-template-columns:1fr 1fr}
.map-wrap,.map-wrap.tall{padding-bottom:70%}
}
@media(max-width:768px){
.nav-links{display:none}
.hamburger{display:flex}
.topbar .wrap{justify-content:center;text-align:center}
.topbar .tb-left{display:none}
.fab{display:none}
.stickybar,.sticky-bar{display:block}
body{padding-bottom:64px}
.hero{padding:44px 0}
.pagehead{padding:40px 0 36px}
.sec{padding:48px 0}
.prep-cards,.steps-cards{grid-template-columns:1fr}
.panel{padding:20px 18px}
.midcta{padding:22px 20px}
}
@media(max-width:560px){
.cards,.linkgrid,.why,.steps{grid-template-columns:1fr}
.areas{grid-template-columns:1fr 1fr}
.site-footer .wrap{grid-template-columns:1fr}
.wrap{padding:0 16px}
.btn{width:100%}
.cta-row .btn{width:100%}
.nav-links .nav-cta{width:auto}
.logo img{height:26px}
}
.hero p.lead a,.pagehead p.lead a{color:#FFD58A;font-weight:700}
.hero p.lead a:hover,.pagehead p.lead a:hover{color:#fff}
.midcta a:not(.btn),.insurepanel a:not(.btn),.ctaband a:not(.btn){color:#FFD58A}
p + .cards{margin-top:24px}