:root{--teal:#0E6E6E;--teal-d:#0A5252;--teal-l:#EAF6F6;--slate:#3D4B5C;--slate-d:#2E3A48;--amber:#E8933A;--amber-d:#B8691A;--gray:#4F5964;--line:#E3E9E8;--bg:#FFFFFF;--tint:#F0F7F7;--ink:#1B2226;--wrap:1180px;--bp:900px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;font-size:16px;color:var(--ink);background:var(--bg);line-height:1.65}
h1,h2,h3,h4{font-family:'Manrope','Inter',system-ui,sans-serif;letter-spacing:-.02em;line-height:1.2}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-d)}
a:hover{color:var(--teal)}
.skip{position:absolute;left:-9999px;top:0;background:var(--amber);color:#1B2226;padding:10px 16px;font-weight:700;z-index:200}
.skip:focus{left:8px;top:8px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--teal);color:#fff;font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(14,110,110,.28);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--teal-d);color:#fff}
.btn.amber{background:var(--amber);color:#1B2226;box-shadow:0 10px 22px rgba(232,147,58,.3)}
.btn.amber:hover{background:#F2A24F;color:#1B2226}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--teal);color:var(--teal-d)}
.btn.block{width:100%}
.btn.small{font-size:14px;padding:11px 20px}
/* TOPBAR */
.topbar{background:var(--slate-d);color:#DDE3E8;font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--amber);font-weight:700;text-decoration:none}
.topbar b{color:var(--amber)}
/* NAV */
.site-header{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:18px}
.logo-link{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);flex:0 0 auto}
.logo-link img{width:auto;height:44px}
.logo-text{font-family:'Manrope',sans-serif;font-weight:800;font-size:19px;letter-spacing:-.02em;white-space:nowrap}
.logo-text span{color:var(--teal)}
.nav-links{list-style:none;display:flex;align-items:center;gap:6px}
.nav-links>li{position:relative}
.nav-links>li>a,.nav-links>li>button.navbtn{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;display:inline-flex;align-items:center;gap:5px;background:none;border:0;cursor:pointer;font-family:inherit;border-radius:8px}
.nav-links>li>a:hover,.nav-links>li>button.navbtn:hover{color:var(--teal)}
.nav-links .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(27,34,38,.14);padding:8px;display:none;z-index:80}
.has-drop:hover>.dropmenu,.has-drop: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:14px;border-radius:8px}
.dropmenu a:hover{background:var(--tint);color:var(--teal-d)}
.dropmenu .dm-sub{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gray);padding:8px 12px 2px}
.nav-cta{margin-left:6px}
.hamburger{display:none;background:var(--teal);color:#fff;border:0;border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.hamburger span{display:block;width:22px;height:2px;background:#fff}
.mob-overlay{display:none;position:fixed;inset:0;background:rgba(10,20,25,.55);z-index:90}
.mob-overlay.open{display:block}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(88vw,360px);background:#fff;z-index:100;transform:translateX(100%);transition:transform .25s ease;overflow-y:auto;padding:18px 20px 40px;visibility:hidden}
.mob-drawer.open{transform:none;visibility:visible}
.mob-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:12px}
.mob-close{background:var(--tint);border:0;border-radius:10px;width:42px;height:42px;font-size:22px;cursor:pointer;color:var(--ink)}
.mob-drawer h3{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--gray);margin:18px 0 6px}
.mob-drawer ul{list-style:none}
.mob-drawer li a{display:block;padding:11px 4px;border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none;font-weight:600}
.mob-drawer .btn{margin-top:18px}
/* HERO + PAGEHEAD */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(125deg,#083F3F 0%,#0A5252 45%,#0E6E6E 100%);overflow:hidden}
.hero:after,.pagehead:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(232,147,58,.22),rgba(232,147,58,0) 68%);z-index:-1}
.hero .hero-bg,.pagehead .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(100deg,rgba(5,34,34,.84) 0%,rgba(7,46,46,.66) 52%,rgba(8,52,52,.28) 100%);z-index:-1}
.hero{padding:70px 0}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.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:#1B2226;border-color:var(--amber)}
.badge-alt:before{background:#1B2226}
.hero h1{font-size:clamp(30px,4.4vw,44px);line-height:1.14;margin-bottom:16px}
.hero h1 span{color:#FFC27A}
.hero p.lead{color:#E3EEEE;font-size:17.5px;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:#E3EEEE;font-size:13.5px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--amber)}
.respcard{background:#fff;color:var(--ink);border-radius:18px;padding:26px;box-shadow:0 20px 44px rgba(0,0,0,.22)}
.respcard h2{font-size:15px;color:var(--gray);margin-bottom:12px;font-weight:700}
.resprow{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid var(--line);font-size:14px}
.resprow:last-child{border-bottom:none}
.resprow b{color:var(--teal-d);font-family:'Manrope',sans-serif;font-size:16px;text-align:right}
.pagehead{padding:56px 0}
.pagehead .wrap{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center}
.crumb{font-size:13px;margin-bottom:12px;color:#CFE3E3}
.crumb a{color:#fff;text-decoration:underline}
.pagehead h1{font-size:clamp(27px,3.6vw,38px);margin-bottom:12px}
.pagehead p.lead{color:#E3EEEE;max-width:640px;font-size:16.5px}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap;list-style:none}
.chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);color:#fff;font-size:13px;font-weight:700;padding:7px 14px;border-radius:100px}
.chip:before{content:"\2713\00a0"}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}
.zip-chip{background:#fff;color:var(--teal-d);border-radius:100px;padding:6px 14px;font-weight:800;font-size:13px}
.zip-label{display:block;font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:#CFE3E3;margin-top:16px}
.herocall{background:#fff;color:var(--ink);border-radius:16px;padding:24px;text-align:center;min-width:260px;box-shadow:0 18px 40px rgba(0,0,0,.22)}
.herocall .lbl{color:var(--teal-d);font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:800}
.herocall .num{font-family:'Manrope',sans-serif;font-weight:800;font-size:24px;margin:6px 0 12px}
/* STRIP + BANDS */
.strip{background:var(--tint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip ul{list-style:none;display:flex;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:10px;max-width:var(--wrap);margin:0 auto}
.strip li{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.strip .ic{color:var(--teal);font-size:18px}
.emergency{background:var(--teal);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}
.emergency p{font-size:14.5px;color:#E3F1F1}
.sec{padding:72px 0;background:#fff}
.sec.tint{background:var(--tint)}
.kick{color:var(--teal-d);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase;display:block;margin-bottom:6px}
.sec h2{font-size:34px;margin:6px 0 22px}
.sec h3{font-size:20px;margin:22px 0 8px}
main p{color:#2B3338}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main a{font-weight:600}
.lede{font-size:18px}
/* LISTS & CARDS */
.svcrows{border:1px solid var(--line);border-radius:16px;overflow:hidden;margin-top:10px}
.svcrow{display:grid;grid-template-columns:56px 1fr auto;gap:18px;align-items:center;padding:20px 24px;border-bottom:1px solid var(--line);background:#fff}
.svcrow:last-child{border-bottom:none}
.svcrow:hover{background:var(--tint)}
.svcic{width:44px;height:44px;background:var(--teal-l);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:20px}
.svcrow h3{font-size:18px;margin:0 0 4px}
.svcrow p{font-size:14px;color:var(--gray);margin:0}
.svcrow a.go{color:var(--teal-d);font-weight:800;font-size:14px;text-decoration:none;white-space:nowrap}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;text-align:center}
.sec.tint .whycard{border-color:transparent}
.whycard .num{width:44px;height:44px;background:var(--teal);color:#fff;border-radius:12px;display:flex;align-items:center;justify-content:center;font-family:'Manrope',sans-serif;font-weight:800;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:16.5px;margin:0 0 6px}
.whycard p{font-size:14px;color:var(--gray)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-top:14px}
.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:#1B2226;font-family:'Manrope',sans-serif;font-weight:800;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:0 0 6px}
.step p{font-size:14px;color:var(--gray)}
.factors{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:10px}
.factor{background:var(--tint);border-radius:16px;padding:24px}
.sec.tint .factor{background:#fff}
.factor h3{font-size:17px;margin:0 0 8px;color:var(--teal-d)}
.factor p{font-size:14px;color:var(--gray)}
.cardgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:12px}
.sign{background:var(--tint);border-radius:14px;padding:20px}
.sec.tint .sign{background:#fff}
.sign h3,.sign h4{font-size:16.5px;margin:0 0 5px}
.sign p{font-size:14.5px;color:var(--gray)}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:12px}
.prepcard{border:2px solid var(--line);border-left:6px solid var(--amber);border-radius:12px;padding:16px 18px;background:#fff}
.prepcard h3{font-size:16px;margin:0 0 4px}
.prepcard p{font-size:14.5px;color:var(--gray)}
.callout{background:var(--teal-l);border-left:5px solid var(--teal);border-radius:12px;padding:20px 24px;margin:22px 0}
.callout h3{font-size:18px;margin:0 0 6px;color:var(--teal-d)}
.callout.warn{background:#FFF4E5;border-left-color:var(--amber)}
.callout.warn h3{color:#7A4710}
.callout p{font-size:15.5px}
.tablewrap{overflow-x:auto;margin:18px 0;border:1px solid var(--line);border-radius:12px}
table.dt{border-collapse:collapse;width:100%;min-width:560px;font-size:14.5px}
table.dt th{background:var(--teal);color:#fff;text-align:left;padding:12px 14px;font-family:'Manrope',sans-serif;font-size:14px}
table.dt td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top;color:#2B3338}
table.dt tr:nth-child(even) td{background:var(--tint)}
ul.plain,ol.plain{margin:14px 0 4px 22px}
ul.plain li,ol.plain li{margin-bottom:8px;color:#2B3338}
.localnote{background:var(--tint);border:1px solid var(--line);border-radius:16px;padding:26px 28px;margin:30px 0}
.localnote h2{font-size:24px;margin:0 0 10px}
.localnote .srcs{font-size:13px;color:var(--gray);margin-top:14px}
.localnote .srcs a{font-weight:600}
.insurepanel{background:var(--slate);color:#fff;border-radius:18px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin:26px 0}
.insurepanel h3{font-size:23px;margin:0 0 8px}
.insurepanel p{font-size:15px;color:#E1E7EC;max-width:560px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top: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:14px;text-align:center}
.areas a:hover{background:var(--teal-l);border-color:var(--teal)}
.midcta{background:var(--amber);border-radius:16px;color:#1B2226;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;margin:34px 0;flex-wrap:wrap}
.midcta h3,.midcta h2{font-size:21px;margin:0}
.midcta p{font-size:14.5px;color:#2B2218}
.midcta .btn{background:var(--slate-d);color:#fff;box-shadow:none}
.midcta .btn:hover{background:#1C2630}
.faq{margin-top:10px}
.faq-item{border-bottom:1px solid var(--line);padding:16px 0}
.faq-item h3{font-size:16.5px;margin:0 0 6px}
.faq-item p{font-size:15px;color:var(--gray)}
.ctaband{background:var(--slate);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:38px;margin-bottom:8px}
.ctaband p{font-size:17px;color:#E1E7EC;margin-bottom:24px}
/* TWO COLUMN + SIDECARD */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:40px;align-items:start}
.twocol>*{min-width:0}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--slate);color:#fff;border-radius:18px;padding:26px}
.sidecard .sk{display:inline-block;background:var(--amber);color:#1B2226;font-weight:800;font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;padding:5px 11px;border-radius:100px;margin-bottom:12px}
.sidecard h3{font-size:20px;margin:0 0 6px}
.sidecard p{color:#E1E7EC;font-size:14.5px;margin-bottom:14px}
.sidecard ul{list-style:none;margin-top:14px;border-top:1px solid #5B6979;padding-top:12px}
.sidecard li{font-size:14.5px;padding:5px 0}
.sidecard li:before{content:"\2713\00a0";color:var(--amber)}
.sidecard .sidelink{display:block;margin-top:14px;color:#fff;font-weight:700;font-size:14.5px}
.sidecard .sidelink:hover{color:var(--amber)}
.byline{font-size:13.5px;color:var(--gray);margin:0 0 18px}
/* BLOG INDEX */
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:10px}
.blogcard{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff;display:flex;flex-direction:column}
.blogcard .bc-top{background:linear-gradient(125deg,#083F3F,#0E6E6E);color:#fff;padding:18px 18px 14px;font-size:12px;letter-spacing:.08em;text-transform:uppercase;font-weight:800}
.blogcard .bc-body{padding:16px 18px 20px}
.blogcard h3{font-size:17px;margin:0 0 8px}
.blogcard h3 a{text-decoration:none;color:var(--ink)}
.blogcard h3 a:hover{color:var(--teal)}
.blogcard p{font-size:14px;color:var(--gray)}
/* MAP */
.mapband{background:#fff;padding:50px 0 0}
.mapband h2{font-size:26px;margin-bottom:6px}
.mapband p{color:var(--gray);margin-bottom:16px}
.mapframe{width:100%;height:380px;border:0;border-radius:14px;background:var(--tint);display:block}
.mapframe.small{height:340px}
/* FOOTER */
.site-footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 30px;font-size:14.5px;margin-top:50px}
.site-footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.site-footer h2{font-size:16px;margin-bottom:12px;color:var(--ink)}
.site-footer a{color:var(--gray);text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--teal)}
.site-footer p{color:var(--gray);margin-bottom:8px}
.site-footer address{font-style:normal;color:var(--gray)}
.footer-bottom{max-width:var(--wrap);margin:26px auto 0;padding:18px 24px 0;border-top:1px solid var(--line);color:var(--gray);font-size:13px}
.footer-logo{height:42px;width:auto;margin-bottom:12px}
/* STICKY CALL */
.stickybar,.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--teal);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:800;font-size:15.5px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--amber);color:#1B2226;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(0,0,0,.28);z-index:49}
.floatcall:hover{background:#F2A24F;color:#1B2226}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:clamp(34px,6vw,54px);margin-bottom:10px}
/* RESPONSIVE */
@media(max-width:1100px){.nav-links>li>a,.nav-links>li>button.navbtn{padding:10px 8px;font-size:14px}.logo-text{font-size:17px}}
@media(max-width:900px){
.nav-links{display:none}
.hamburger{display:flex}
.hero .wrap,.twocol,.cardgrid,.insurepanel,.pagehead .wrap,.prepcards{grid-template-columns:minmax(0,1fr)}
.why,.factors{grid-template-columns:1fr 1fr}
.steps{grid-template-columns:1fr 1fr;row-gap:26px}
.steps:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.svcrow{grid-template-columns:44px 1fr}
.svcrow a.go{grid-column:2}
.hero{padding:48px 0}
.ctaband h2{font-size:30px}
.sec{padding:52px 0}
.sec h2{font-size:28px}
.site-footer .wrap{grid-template-columns:1fr 1fr}
.bloggrid{grid-template-columns:1fr 1fr}
.sidecard{position:static}
.stickybar,.sticky-cta{display:block}
.floatcall{display:none}
body{padding-bottom:62px}
.herocall{min-width:0}
}
@media(max-width:600px){
.why,.factors,.steps,.bloggrid,.site-footer .wrap{grid-template-columns:1fr}
.areas{grid-template-columns:1fr 1fr}
.logo-text{font-size:16px}
.logo-link img{height:38px}
.topbar .wrap{justify-content:center;text-align:center}
.wrap{padding:0 18px}
.ctaband h2{font-size:26px}
.midcta{padding:22px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.mob-drawer{transition:none}}

@media(max-width:380px){.logo-text{font-size:14.5px}.hamburger{width:42px;height:42px}}

.blogcard .bc-img{display:block;aspect-ratio:16/9;overflow:hidden;background:#0c4a4a}.blogcard .bc-img img{width:100%;height:100%;object-fit:cover;display:block}
.hero.has-hero h1,.pagehead.has-hero h1,.hero.has-hero .lead,.pagehead.has-hero .lead{text-shadow:0 1px 12px rgba(0,0,0,.35)}
.hero .lead a,.pagehead .lead a,.hero p a,.pagehead p a{color:#FFC27A;text-decoration:underline;text-underline-offset:3px}.hero .lead a:hover,.pagehead .lead a:hover{color:#fff}