:root{--navy:#0D1B2A;--deep:#13293D;--teal:#39D6C4;--tealdk:#20B0A0;--light:#F0FBFA;--border:#DCEBE9;--text:#12181F;--muted:#54606B;--mist:#9FB3C2;--ink2:#D5E3EA;--r:14px;--wrapw:1180px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.7;font-size:16px;-webkit-text-size-adjust:100%}
h1,h2,h3,h4{font-family:'Space Grotesk','Inter',system-ui,sans-serif;letter-spacing:-.01em;line-height:1.2;color:var(--navy)}
img{max-width:100%;height:auto}
a{color:#0B5D66}
a:hover{color:var(--navy)}
.wrap{max-width:var(--wrapw);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--teal);color:var(--navy);padding:10px 16px;font-weight:700;z-index:100}
.skip:focus{left:8px;top:8px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--teal);color:var(--navy);font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:100px;box-shadow:0 10px 22px rgba(57,214,196,.28);border:2px solid var(--teal);line-height:1.2;text-align:center}
.btn:hover{background:var(--tealdk);border-color:var(--tealdk);color:var(--navy)}
.btn-alt{background:var(--navy);color:#fff;border-color:var(--navy);box-shadow:none}
.btn-alt:hover{background:var(--deep);border-color:var(--deep);color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55);box-shadow:none}
.btn-ghost:hover{background:rgba(255,255,255,.12);border-color:#fff;color:#fff}
.btn-block{display:flex;width:100%}

/* header */
.topbar{background:var(--deep);color:var(--mist);font-size:13.5px;padding:9px 0}
.topbar-in{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar a{color:var(--teal);font-weight:700;text-decoration:none}
.sitenav{background:#fff;box-shadow:0 1px 0 var(--border);position:relative;z-index:60}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo-link{display:inline-flex;align-items:center;flex:0 0 auto;text-decoration:none}
.logo-img{display:block;height:44px;width:auto}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navitem{position:relative;list-style:none}
.navitem>a{display:block;color:var(--text);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;border-radius:8px}
.navitem>a:hover,.navitem>a:focus{color:var(--navy);background:var(--light)}
.navitem.has-drop>a:after{content:" \25BE";font-size:11px}
.dropmenu{display:none;position:absolute;left:0;top:100%;min-width:260px;background:#fff;border:1px solid var(--border);border-radius:12px;padding:8px;box-shadow:0 14px 30px rgba(13,27,42,.14);list-style:none;z-index:70}
.has-drop:hover>.dropmenu,.has-drop:focus-within>.dropmenu{display:block}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;border-radius:8px;color:var(--text);text-decoration:none;font-size:14.5px;font-weight:500}
.dropmenu a:hover,.dropmenu a:focus{background:var(--light);color:var(--navy)}
.dropmenu .drop-all a{font-weight:700;color:#0B5D66}
.navcall{margin-left:8px}
.navcall .btn{padding:11px 20px;font-size:14.5px}
.menu-btn{display:none;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:10px 14px;font:600 14px 'Inter',sans-serif;cursor:pointer}

/* heroes */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,#0D1B2A 0%,#13293D 58%,#0f3a4a 100%)}
.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(13,27,42,.93) 0%,rgba(13,27,42,.78) 100%);z-index:-1}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero{padding:70px 0}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1,.pagehead h1{color:#fff}
.hero h1{font-size:44px;margin-bottom:16px}
.hero-sub{color:var(--ink2);font-size:18px;max-width:560px;margin-bottom:24px}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(57,214,196,.14);color:var(--teal);border:1px solid rgba(57,214,196,.5);font-weight:700;font-size:13px;padding:7px 14px;border-radius:100px;margin-bottom:16px}
.badge:before{content:"\25CF";font-size:10px}
.badge-alt{background:var(--teal);color:var(--navy);border-color:var(--teal)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 20px;flex-wrap:wrap;color:var(--ink2);font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--teal)}
.statpanel{background:rgba(19,41,61,.9);border:1px solid rgba(57,214,196,.35);border-radius:var(--r);padding:26px}
.statpanel h2{font-size:15px;color:var(--mist);margin-bottom:12px;font-weight:600}
.strow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:14.5px;color:#fff}
.strow:last-child{border-bottom:0}
.strow b{color:var(--teal);font-family:'Space Grotesk',sans-serif;font-size:16px;text-align:right}
.pagehead{padding:44px 0 46px}
.pagehead h1{font-size:38px;max-width:900px;margin-bottom:12px}
.crumbs{font-size:13.5px;color:var(--mist);margin-bottom:16px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"/";margin-right:6px;color:var(--mist)}
.crumbs a{color:var(--ink2)}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px;list-style:none;align-items:center}
.zips-label{color:var(--mist);font-size:13.5px;font-weight:600;margin-right:4px}
.zip-chip{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.35);color:#fff;font-weight:700;font-size:13.5px;padding:4px 12px;border-radius:100px;list-style:none}

/* strips and bands */
.strip{background:var(--light);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.strip-in{display:flex;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:10px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px;color:var(--navy)}
.band{background:var(--teal);color:var(--navy);padding:22px 0}
.band-in{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.band h2{font-size:22px;color:var(--navy)}
.band p{font-size:14.5px;color:var(--navy)}
.band .btn{background:var(--deep);color:#fff;border-color:var(--deep)}

/* sections */
.sec{padding:72px 0;background:#fff}
.sec-tint{background:var(--light)}
.kick{color:var(--deep);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2{font-size:34px;margin:8px 0 14px}
.sec h3{font-size:20px;margin:22px 0 8px}
.lead{color:var(--muted);font-size:17px;max-width:760px;margin-bottom:26px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.article-body h2{font-size:28px;margin:40px 0 14px}
.article-body>h2:first-child{margin-top:0}
.article-body h3{font-size:19px;margin:24px 0 8px}
main p+p{margin-top:14px}
main p{max-width:76ch}
main ul.plain,main ol.plain{margin:14px 0 0 22px;max-width:76ch}
main ul.plain li,main ol.plain li{margin-top:8px}
.article-body p+h2,.article-body ul+h2,.article-body .tablewrap+h2{margin-top:40px}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:22px 0 0}
.twocol .cards{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:24px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:14.5px;color:var(--muted)}
.card p+p{margin-top:10px}
.card .ic{width:48px;height:48px;background:var(--light);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:12px}
.card a.card-link{display:inline-block;margin-top:10px;font-weight:700;font-size:14px;color:#0B5D66;text-decoration:none}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:22px}
.whycard{background:#fff;border-radius:var(--r);padding:24px;text-align:center;border:1px solid var(--border)}
.whycard .num{width:44px;height:44px;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Space Grotesk',sans-serif;font-weight:700;margin:0 auto 12px;font-size:18px}
.whycard h3{font-size:16.5px;margin:0 0 6px}
.whycard p{font-size:14px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-top:26px}
.steps:before{content:"";position:absolute;top:30px;left:12%;right:12%;height:2px;background:var(--border)}
.step{text-align:center;padding:0 16px;position:relative}
.step .n{width:60px;height:60px;border-radius:50%;background:var(--teal);color:var(--navy);font-family:'Space Grotesk',sans-serif;font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;position:relative;z-index:2}
.step h3{font-size:17px;margin:0 0 6px}
.step p{font-size:14px;color:var(--muted);margin:0 auto}
.twocol .steps{grid-template-columns:1fr 1fr;row-gap:24px}
.twocol .steps:before{display:none}

/* tables */
.tablewrap{overflow-x:auto;border:1px solid var(--border);border-radius:var(--r);margin:22px 0 0;background:#fff}
.datatable{width:100%;border-collapse:collapse;min-width:540px;font-size:14.5px}
.datatable caption{caption-side:top;text-align:left;font-weight:700;padding:14px 18px;color:var(--navy);background:var(--light);border-bottom:1px solid var(--border)}
.datatable th{background:var(--deep);color:#fff;text-align:left;font-size:12.5px;text-transform:uppercase;letter-spacing:.04em;padding:13px 18px}
.datatable td{padding:14px 18px;border-bottom:1px solid var(--border);vertical-align:top;color:var(--text)}
.datatable tr:last-child td{border-bottom:0}
.datatable td:first-child{font-weight:700;color:var(--navy)}

/* callouts */
.callout{background:var(--light);border:1px solid var(--border);border-left:5px solid var(--teal);border-radius:12px;padding:20px 22px;margin:22px 0 0}
.callout h3{font-size:17px;margin:0 0 6px}
.callout p{font-size:15px;color:var(--text)}
.callout-warn{background:#FFF8E6;border-color:#F1DDA3;border-left-color:#D99A00}
.localnote{background:#fff;border:1px solid var(--border);border-top:4px solid var(--teal);border-radius:12px;padding:22px 24px;margin:26px 0 0}
.localnote h2{font-size:22px;margin:0 0 12px}
.midcta{background:var(--deep);color:#fff;border-radius:var(--r);padding:24px 26px;margin:30px 0 0;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.midcta p{color:var(--ink2);margin:0;max-width:46ch}
.midcta .btn{flex:0 0 auto}
.prep-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:20px}
.prep-card{background:#fff;border:1px solid var(--border);border-top:4px solid var(--teal);border-radius:12px;padding:18px 20px}
.prep-card h3{font-size:16.5px;margin:0 0 6px}
.prep-card p{font-size:14.5px;color:var(--muted)}
.insurepanel{background:var(--deep);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h2{color:var(--teal);font-size:26px;margin:0 0 8px}
.insurepanel p{font-size:15px;color:var(--mist);max-width:60ch}
.insurepanel a:not(.btn){color:var(--teal)}

/* sidecard */
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--border);border-top:5px solid var(--teal);border-radius:var(--r);padding:24px;box-shadow:0 14px 30px rgba(13,27,42,.08)}
.side-kick{color:#0B5D66;font-weight:700;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:6px}
.sidecard h3{font-size:20px;margin:0 0 8px}
.sidecard p{font-size:14.5px;color:var(--muted);margin-bottom:16px}
.side-bullets{list-style:none;margin:18px 0 12px}
.side-bullets li{font-size:14px;font-weight:600;padding:7px 0 7px 26px;position:relative;border-top:1px solid var(--border);color:var(--text)}
.side-bullets li:before{content:"\2713";position:absolute;left:2px;color:#0B8F82;font-weight:800}
.side-link{font-size:14px;font-weight:700}

/* faq */
.faq-list{margin-top:20px;display:grid;gap:10px}
.faq-item{border:1px solid var(--border);border-radius:12px;background:#fff}
.faq-item summary{cursor:pointer;padding:16px 20px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:14px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary:after{content:"+";color:#0B5D66;font-size:22px;line-height:1}
.faq-item[open] summary:after{content:"\2212"}
.faq-a{padding:0 20px 18px}
.faq-a p{font-size:15.5px}

/* areas, blog */
.areas-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:20px}
.area-btn{background:#fff;border:1px solid var(--border);padding:16px;border-radius:12px;color:var(--navy);text-decoration:none;font-weight:700;text-align:center}
.area-btn small{display:block;font-weight:500;color:var(--muted);margin-top:2px}
.area-btn:hover{border-color:var(--teal);background:var(--light)}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:24px}
.blog-card{background:#fff;border:1px solid var(--border);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column}
.blog-thumb{display:block;aspect-ratio:16/9;background:linear-gradient(90deg,var(--deep),var(--teal));overflow:hidden}
.blog-thumb img{display:block;width:100%;height:100%;object-fit:cover}
.blog-card-in{padding:22px;display:flex;flex-direction:column;gap:8px;flex:1}
.blog-card h2{font-size:18px;margin:0}
.blog-card h2 a{color:var(--navy);text-decoration:none}
.blog-card p{font-size:14.5px;color:var(--muted)}
.blog-meta{font-size:12.5px;font-weight:700;color:#0B5D66;text-transform:uppercase;letter-spacing:.06em}
.byline{color:var(--ink2);font-size:14px}

/* cta band, map */
.ctaband{background:var(--deep);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:36px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:17px;margin:0 auto 24px;color:var(--mist);max-width:60ch}
.mapsec{padding:56px 0;background:var(--light)}
.mapsec h2{font-size:28px;margin:6px 0 12px}
.mapsec p{color:var(--muted);margin-bottom:18px}
.mapframe{width:100%;height:380px;border:0;border-radius:var(--r);display:block;background:#e5eef0}
.mapframe-loc{height:340px;margin-top:20px}

/* footer */
.site-footer{background:var(--navy);color:var(--mist);padding:54px 0 40px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
.foot-h{color:#fff;font-size:16px;margin-bottom:12px}
.site-footer a{color:var(--mist);text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--teal)}
.site-footer .foot-logo{display:inline-block;margin-bottom:14px}
.site-footer .foot-tel{color:var(--teal);font-weight:700;font-size:17px}
.site-footer address{font-style:normal;line-height:1.6}
.foot-bar{margin-top:30px;padding-top:20px;border-top:1px solid rgba(255,255,255,.14);display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:13px}

/* call bars */
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--deep);z-index:50;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--teal);font-weight:700;font-size:15.5px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--teal);color:var(--navy);display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(13,27,42,.35);z-index:50}
.floatcall:hover{background:var(--tealdk);color:var(--navy)}

/* contact */
.contact-card{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:28px}
.contact-big{display:block;font-family:'Space Grotesk',sans-serif;font-size:34px;font-weight:700;color:var(--navy);text-decoration:none;margin:6px 0 10px}

@media(max-width:1000px){.foot-grid{grid-template-columns:1fr 1fr}.areas-grid{grid-template-columns:repeat(2,1fr)}.blog-grid{grid-template-columns:repeat(2,1fr)}.cards{grid-template-columns:repeat(2,1fr)}.why{grid-template-columns:repeat(2,1fr)}}
@media(max-width:900px){
.menu-btn{display:inline-block}
.navlinks{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:12px 24px 20px;border-top:1px solid var(--border);box-shadow:0 20px 30px rgba(13,27,42,.14);max-height:calc(100vh - 120px);overflow-y:auto;gap:0}
.sitenav.open .navlinks{display:flex}
.navitem>a{padding:12px 4px;font-size:16px}
.navitem.has-drop>a:after{content:""}
.dropmenu{display:block;position:static;border:0;box-shadow:none;padding:0 0 6px 14px;min-width:0}
.navcall{margin:10px 0 0}
.navcall .btn{width:100%}
.hero-grid,.insurepanel,.twocol{grid-template-columns:minmax(0,1fr)}
.article-body{min-width:0}
.sidecard{position:static}
.hero h1{font-size:34px}
.pagehead h1{font-size:30px}
.steps{grid-template-columns:1fr 1fr;row-gap:26px}
.steps:before{display:none}
.hero{padding:48px 0}
.sec{padding:52px 0}
.sec h2{font-size:28px}
}
@media(max-width:760px){
.stickybar{display:block}
.floatcall{display:none}
body{padding-bottom:62px}
.cards,.twocol .cards,.why,.prep-grid,.blog-grid{grid-template-columns:1fr}
.foot-grid{grid-template-columns:1fr}
.strip-in{flex-direction:column}
.areas-grid{grid-template-columns:1fr 1fr}
.steps,.twocol .steps{grid-template-columns:1fr}
.ctaband h2{font-size:28px}
.topbar-in{flex-direction:column;gap:2px}
.contact-big{font-size:28px}
.mapframe{height:300px}
}
main p,main li,.contact-card,.site-footer a{overflow-wrap:anywhere}
.contact-big{font-size:clamp(22px,7.5vw,34px)}
.hamburger,.nav-menu,.sticky-cta{box-sizing:border-box}