:root{
  --navy:#203A60;--denim:#2E4E7E;--denim-dk:#25406A;--flame:#C73A16;--flame-dk:#A82F10;--flame-lt:#FF9A72;
  --ink:#1C2430;--grey:#5A6270;--mist:#EFF3F9;--line:#DCE3EF;--pale:#B9C1CE;--white:#fff;
  --f-head:'Rajdhani','Arial Narrow',Arial,sans-serif;--f-body:'Mulish',Arial,sans-serif;
  --r-sm:6px;--r-md:12px;--r-lg:16px;--wrap:1180px;--gut:24px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--f-body);font-size:16px;color:var(--ink);background:var(--white);line-height:1.65}
img,svg{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--f-head);letter-spacing:-.01em;line-height:1.15;font-weight:700}
a{color:var(--denim)}
a:hover{color:var(--flame-dk)}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:var(--white);padding:10px 16px;z-index:200;font-weight:700}
.skip:focus{left:8px;top:8px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--flame);color:var(--white);font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:var(--r-sm);box-shadow:0 10px 22px rgba(199,58,22,.28);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--flame-dk);color:var(--white)}
.btn.alt{background:var(--denim);box-shadow:0 10px 22px rgba(46,78,126,.28)}
.btn.alt:hover{background:var(--navy);color:var(--white)}
.btn.ghost{background:var(--white);color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--denim);color:var(--denim)}
.btn.sm{font-size:14px;padding:10px 18px}
.btn.block{display:flex;width:100%}
.ico{width:18px;height:18px;flex:none;fill:currentColor}

/* top bar + nav */
.topbar{background:var(--navy);color:var(--pale);font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--flame-lt);font-weight:800;text-decoration:none}
.topbar a:hover{color:var(--white)}
.site-nav{background:var(--white);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:78px;gap:16px}
.logo{display:flex;align-items:center;flex:none}
.logo img{display:block;height:44px;width:auto}
.menu{display:flex;align-items:center;gap:6px;list-style:none}
.menu>li{position:relative}
.menu>li>a,.menu>li>button{display:inline-flex;align-items:center;gap:5px;color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px;padding:10px 12px;background:none;border:0;cursor:pointer;font-family:var(--f-body);border-radius:var(--r-sm)}
.menu>li>a:hover,.menu>li>button:hover,.menu>li:focus-within>button{color:var(--denim);background:var(--mist)}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:260px;background:var(--white);border:1px solid var(--line);border-radius:var(--r-md);box-shadow:0 18px 40px rgba(32,58,96,.16);padding:8px;list-style:none;z-index:80}
.menu>li:hover>.dropmenu,.menu>li:focus-within>.dropmenu{display:block}
.dropmenu a{display:block;padding:9px 12px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;border-radius:var(--r-sm)}
.dropmenu a:hover{background:var(--mist);color:var(--denim)}
.dropmenu .sep{border-top:1px solid var(--line);margin:6px 0}
.dropmenu .dm-all a{color:var(--denim);font-weight:800}
.nav-cta{display:flex;align-items:center;gap:10px}
.burger{display:none;background:var(--mist);border:0;border-radius:var(--r-sm);width:44px;height:44px;cursor:pointer;align-items:center;justify-content:center}
.burger span,.burger span:before,.burger span:after{display:block;width:20px;height:2px;background:var(--navy);content:"";position:relative}
.burger span:before{position:absolute;top:-6px}
.burger span:after{position:absolute;top:6px}
.mobile-menu{display:none;background:var(--navy);color:var(--white);padding:14px var(--gut) 22px}
.mobile-menu.open{display:block}
.mobile-menu h2{font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--pale);margin:16px 0 6px;font-family:var(--f-body);font-weight:800}
.mobile-menu ul{list-style:none}
.mobile-menu a{display:block;color:var(--white);text-decoration:none;padding:10px 0;font-weight:700;border-bottom:1px solid rgba(255,255,255,.14)}
.mobile-menu img{display:block;height:38px;width:auto;margin-bottom:6px}

/* breadcrumb */
.crumbs{background:var(--mist);border-bottom:1px solid var(--line);font-size:13.5px;padding:10px 0}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li:after{content:"/";margin-left:6px;color:var(--grey)}
.crumbs li:last-child:after{content:""}
.crumbs a{text-decoration:none;font-weight:600}
.crumbs [aria-current]{color:var(--grey)}

/* hero / pagehead */
.hero,.pagehead{position:relative;isolation:isolate;background:linear-gradient(135deg,var(--navy) 0%,var(--denim) 100%);color:var(--white);overflow:hidden}
.hero{padding:72px 0}
.pagehead{padding:56px 0 52px}
.hero:after,.pagehead:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:rgba(255,255,255,.05);z-index:-1}
.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;background:linear-gradient(135deg,rgba(32,58,96,.92),rgba(32,58,96,.62));z-index:-1}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);color:var(--white);font-weight:800;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--flame-lt)}
.badge-alt{background:var(--white);color:var(--navy)}
.badge-alt:before{background:var(--flame)}
.hero h1{font-size:clamp(34px,4.6vw,46px);margin-bottom:16px;color:var(--white)}
.hero h1 span{color:var(--flame-lt)}
.pagehead h1{font-size:clamp(30px,4vw,40px);margin-bottom:12px;max-width:860px;color:var(--white)}
.hero .lead,.pagehead .lead{font-size:17.5px;color:#E3E9F3;max-width:640px;margin-bottom:22px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:20px}
.trustrow{display:flex;gap:8px 20px;flex-wrap:wrap;color:#E3E9F3;font-size:14px;font-weight:700;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--flame-lt)}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:6px 0 20px}
.zip-chip{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.3);color:var(--white);font-weight:800;font-size:13.5px;padding:5px 13px;border-radius:100px}
.zip-chip.primary{background:var(--white);color:var(--navy)}
.statpanel{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:var(--r-lg);padding:26px}
.statpanel h2{font-size:22px;margin-bottom:12px;color:var(--white)}
.statpanel ol{padding-left:22px}
.statpanel li{padding:7px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:15px;color:#EEF2F9}
.statpanel li:last-child{border-bottom:0}

/* trust strip + emergency band */
.strip{background:var(--mist);border-bottom:1px solid var(--line)}
.strip ul{display:flex;justify-content:space-between;padding:16px var(--gut);flex-wrap:wrap;gap:10px;list-style:none;max-width:var(--wrap);margin:0 auto}
.strip li{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.strip .ico{color:var(--denim)}
.emergency{background:var(--flame);color:var(--white);padding:22px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:24px;color:var(--white)}
.emergency p{font-size:15px;color:#FFF1EB}
.emergency .btn{background:var(--navy);box-shadow:none}
.emergency .btn:hover{background:#142744}

/* sections */
.sec{padding:68px 0;background:var(--white)}
.sec.tint{background:var(--mist)}
.kick{color:var(--navy);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2{font-size:34px;margin:8px 0 18px}
main h3{font-size:21px;margin:22px 0 8px}
main p{font-size:16.5px;line-height:1.7}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul.bul,main ol.num{margin:16px 0 4px 22px}
main ul.bul li,main ol.num li{margin-bottom:8px;font-size:16.5px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.twocol article>section+section{margin-top:44px}
.twocol article h2{font-size:30px;margin:0 0 6px}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--navy);color:var(--white);border-radius:var(--r-lg);padding:26px;box-shadow:0 18px 40px rgba(32,58,96,.22)}
.sidecard .k{font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:var(--flame-lt)}
.sidecard h2,.sidecard h3{font-size:23px;margin:8px 0 8px;color:var(--white)}
.sidecard p{font-size:15px;color:#DCE3EF;margin-bottom:16px}
.sidecard ul{list-style:none;margin:18px 0 14px}
.sidecard li{padding:7px 0 7px 26px;position:relative;font-size:14.5px;border-bottom:1px solid rgba(255,255,255,.14)}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--flame-lt);font-weight:800}
.sidecard .sc-link{font-size:14.5px;color:var(--white)}
.sidecard .sc-link a{color:var(--flame-lt);font-weight:800}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:22px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-md);padding:24px}
.sec.tint .card{background:var(--white)}
.card h3{font-size:20px;margin:0 0 8px}
.card p{font-size:15px;color:var(--grey)}
.card p+p{margin-top:10px}
.card .more{display:inline-block;margin-top:10px;font-weight:800;font-size:14.5px;text-decoration:none}
.cardnum{width:42px;height:42px;background:var(--denim);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--f-head);font-weight:700;font-size:19px;margin-bottom:12px}
.prep-card{border-left:5px solid var(--flame)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:22px;counter-reset:st;list-style:none}
.steps li{background:var(--white);border:1px solid var(--line);border-radius:var(--r-md);padding:22px;position:relative}
.steps li:before{counter-increment:st;content:counter(st);display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:50%;background:var(--flame);color:var(--white);font-family:var(--f-head);font-weight:700;font-size:20px;margin-bottom:12px}
.steps h3{font-size:19px;margin:0 0 6px}
.steps p{font-size:15px;color:var(--grey)}

/* tables + callouts */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-md);margin:20px 0;background:var(--white)}
table{border-collapse:collapse;width:100%;min-width:560px}
th{background:var(--navy);color:var(--white);text-align:left;font-size:13px;text-transform:uppercase;letter-spacing:.05em;padding:13px 16px}
td{padding:13px 16px;border-top:1px solid var(--line);font-size:15px;vertical-align:top}
tr:nth-child(even) td{background:var(--mist)}
.callout{background:var(--mist);border-left:5px solid var(--denim);border-radius:var(--r-md);padding:22px 24px;margin:24px 0}
.callout h3{margin:0 0 8px;font-size:21px}
.callout.hot{border-left-color:var(--flame);background:#FFF4EF}
.callout .btn{margin-top:14px}
.insurepanel{background:var(--navy);color:var(--white);border-radius:var(--r-lg);padding:30px;margin:24px 0}
.insurepanel h3{color:var(--flame-lt);margin:0 0 8px;font-size:24px}
.insurepanel p{color:#DCE3EF}
.insurepanel a{color:var(--flame-lt)}
.localnote{background:var(--mist);border:1px solid var(--line);border-radius:var(--r-md);padding:24px 26px;margin:28px 0}
.localnote h2{font-size:26px!important;margin:0 0 6px!important}
.localnote .kick{display:block;margin-bottom:6px}

/* faq */
.faq{margin-top:20px}
.faq details{border:1px solid var(--line);border-radius:var(--r-md);background:var(--white);margin-bottom:10px;overflow:hidden}
.faq summary{cursor:pointer;list-style:none;padding:17px 52px 17px 20px;font-weight:800;font-size:16.5px;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(--denim);font-weight:700}
.faq details[open] summary:after{content:"\2212"}
.faq details[open] summary{background:var(--mist)}
.faq .ans{padding:6px 20px 18px}

/* areas */
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:20px}
.areas a{background:var(--white);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{border-color:var(--denim);color:var(--denim)}

/* blog list */
.postlist{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:22px}
.post-card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-md);padding:24px;display:flex;flex-direction:column}
.post-card{overflow:hidden}
.post-card .thumb{display:block;margin:-24px -24px 16px;aspect-ratio:16/9;background:var(--mist)}
.post-card .thumb img{width:100%;height:100%;object-fit:cover;display:block}
.post-card h2,.post-card h3{font-size:21px;margin:0 0 8px}
.post-card h2 a,.post-card h3 a{color:var(--ink);text-decoration:none}
.post-card h2 a:hover,.post-card h3 a:hover{color:var(--denim)}
.post-card p{font-size:15px;color:var(--grey)}
.post-card .tag{font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--denim);margin-bottom:8px}
.byline{font-size:14px;color:var(--grey);margin-bottom:6px}

/* cta band + map + footer */
.ctaband{background:var(--navy);color:var(--white);padding:56px 0;text-align:center}
.ctaband h2{font-size:38px;margin-bottom:8px;color:var(--white)}
.ctaband p{font-size:17px;margin:0 auto 22px;color:var(--pale);max-width:640px}
.mapsec{background:var(--white);padding:48px 0 0}
.mapsec h2{font-size:28px;margin-bottom:6px}
.mapsec p{color:var(--grey);margin-bottom:16px}
.mapframe{display:block;width:100%;height:360px;border:0;border-radius:var(--r-md);background:var(--mist)}
.mapframe.tall{height:320px}
.mapbox{margin:26px 0}
.site-footer{background:var(--white);border-top:1px solid var(--line);margin-top:48px;padding:48px 0 30px;font-size:14.5px}
.site-footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:32px}
.site-footer .foot-h{font-size:17px;margin-bottom:12px;color:var(--ink)}
.site-footer a{color:var(--grey);text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--denim)}
.site-footer p{font-size:14.5px;color:var(--grey);margin-bottom:8px}
.site-footer p+p{margin-top:0}
.site-footer .foot-logo img{height:42px;width:auto;display:block;margin-bottom:12px}
.site-footer .legal{margin-top:30px;padding-top:18px;border-top:1px solid var(--line);display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:13.5px;color:var(--grey)}
.site-footer .legal a{display:inline;margin:0 0 0 14px}
.sticky-bar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);z-index:90;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.sticky-bar a{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--white);font-weight:800;font-size:16px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--flame);color:var(--white);display:flex;align-items:center;justify-content:center;box-shadow:0 10px 24px rgba(199,58,22,.4);z-index:90;text-decoration:none}
.floatcall:hover{background:var(--flame-dk);color:var(--white)}
.floatcall .ico{width:24px;height:24px}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:48px;margin-bottom:12px}

@media (max-width:1100px){.menu>li>a,.menu>li>button{padding:10px 8px;font-size:14px}.nav-cta .btn{padding:10px 14px}}
@media (max-width:900px){
  .menu{display:none}
  .burger{display:flex}
  .site-nav .wrap{height:68px}
  .logo img{height:38px}
  .hero .wrap{grid-template-columns:1fr;gap:28px}
  .hero{padding:48px 0}
  .twocol{grid-template-columns:minmax(0,1fr);gap:30px}
  .sidecard{position:static}
  .cards,.cards.two{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .areas{grid-template-columns:1fr 1fr}
  .postlist{grid-template-columns:1fr}
  .site-footer .cols{grid-template-columns:1fr 1fr}
  .floatcall{display:none}
  .sticky-bar{display:block}
  body{padding-bottom:64px}
  .strip ul{justify-content:flex-start}
}
@media (max-width:600px){
  :root{--gut:18px}
  .cards,.cards.two,.steps,.areas,.site-footer .cols{grid-template-columns:1fr}
  .topbar .wrap{justify-content:center;text-align:center}
  .nav-cta .btn{display:none}
  .sec{padding:48px 0}
  .sec h2{font-size:28px}
  .ctaband h2{font-size:30px}
  .mapframe{height:300px}
  .logo img{height:34px}
}

.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.mobile-menu.open{max-height:calc(100vh - 120px);overflow-y:auto}

main,.site-footer,.topbar{overflow-wrap:anywhere}