:root{--ink:#1E2833;--slate:#2C3D4D;--slate-mid:#3F5468;--slate-soft:#F2F5F7;--line:#DEE5EB;--muted:#4F5B67;--orange:#F2860E;--orange-dk:#C76A00;--orange-tint:#FFF3E5;--white:#fff;--radius:12px;--max:1180px;--gutter:24px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;font-size:17px;color:var(--ink);background:#fff;line-height:1.68}
h1,h2,h3,h4{font-family:'Manrope','Inter',system-ui,sans-serif;letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
img{max-width:100%;height:auto}
a{color:var(--slate-mid);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--ink)}
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;z-index:200;border-radius:8px}
.skip:focus{left:8px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--orange);color:var(--ink);font-weight:800;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(242,134,14,.30);border:0;line-height:1.2}
.btn:hover{background:#FF9A2E;color:var(--ink)}
.btn.alt{background:var(--slate-mid);color:#fff;box-shadow:0 10px 22px rgba(63,84,104,.28)}
.btn.alt:hover{background:var(--slate);color:#fff}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--slate-mid);background:#fff}
.btn.sm{font-size:14px;padding:11px 18px}
/* topbar + nav */
.topbar{background:var(--slate);color:#D5DCE3;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:#FFB35C}
.siteheader{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.nav-inner{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:16px}
.logo{display:flex;align-items:center;flex:0 1 auto;min-width:0}
.logo img{display:block;width:auto;height:44px;max-width:100%}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-links>li>a:not(.btn){color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;display:block;border-radius:8px}
.nav-links>li>a:not(.btn):hover{color:var(--slate-mid);background:var(--slate-soft)}
.has-dropdown{position:relative}
.dd-arrow{font-size:11px;margin-left:2px}
.dropdown{position:absolute;top:100%;left:0;min-width:270px;padding:8px;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(30,40,51,.16);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .2s,visibility .2s,transform .2s;z-index:1000}
.dropdown li{list-style:none}
.dropdown a{display:block;padding:9px 12px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14px;border-radius:8px;white-space:nowrap}
.dropdown a:hover{background:var(--slate-soft)}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:44px;min-height:44px;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:2px;background:var(--ink);border-radius:2px;transition:transform .2s,opacity .2s}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(320px,85vw);background:#fff;z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:24px}
.mob-drawer[hidden]{display:block !important;transform:translateX(100%);visibility:hidden}
.mob-drawer:not([hidden]){transform:translateX(0);visibility:visible}
.mob-drawer ul{list-style:none;margin:40px 0 0;padding:0}
.mob-drawer li{list-style:none}
.mob-drawer a:not(.btn){display:block;padding:12px 0;font-size:16px;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--slate-soft)}
.mob-drawer .mh{padding:16px 0 4px;font-weight:800;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.mob-drawer .drawer-cta{display:flex;margin-top:18px}
.drawer-close{position:absolute;top:12px;right:12px;min-width:44px;min-height:44px;background:#fff;border:2px solid var(--line);border-radius:10px;font-size:18px;cursor:pointer}
.mob-overlay{position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:9998;opacity:0;visibility:hidden;transition:opacity .2s,visibility .2s}
.mob-overlay.visible{opacity:1;visibility:visible}
/* heroes + page heads */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden;color:#fff;background:linear-gradient(135deg,#1E2833 0%,#2C3D4D 55%,#3F5468 100%)}
.hero{padding:76px 0 70px}
.pagehead{padding:56px 0 50px}
.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;z-index:-1;background:linear-gradient(100deg,rgba(20,29,38,.92) 0%,rgba(30,40,51,.78) 55%,rgba(30,40,51,.55) 100%)}
.hero h1,.pagehead h1{color:#fff}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.hero h1{font-size:clamp(30px,5vw,44px);margin-bottom:16px}
.hero h1 span{color:#FFB35C}
.hero p.lead{color:#E3E9EE;font-size:18px;max-width:520px;margin-bottom:24px}
.pagehead h1{font-size:clamp(27px,4.4vw,38px);margin-bottom:12px;max-width:860px}
.pagehead p.lead{color:#E3E9EE;font-size:18px;max-width:760px;margin-bottom:18px}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);color:#fff;font-weight:700;font-size:13px;padding:7px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--orange)}
.badge.badge-alt{background:var(--orange);color:var(--ink)}
.badge.badge-alt:before{background:var(--ink)}
.crumbs{font-size:13.5px;color:#C9D3DC;margin-bottom:14px}
.crumbs a{color:#fff}
.crumbs span.sep{margin:0 6px;opacity:.6}
.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,.5)}
.trustrow{display:flex;gap:18px;flex-wrap:wrap;color:#E3E9EE;font-size:14px;font-weight:600}
.trustrow span:before{content:"\2713\00a0";color:#FFB35C}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.zip-chip{display:inline-block;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.35);color:#fff;font-weight:700;font-size:13.5px;padding:5px 13px;border-radius:100px}
.statpanel{background:rgba(30,40,51,.78);border:1px solid rgba(255,255,255,.14);color:#fff;border-radius:14px;padding:26px}
.statpanel h2{font-size:15px;color:#C9D3DC;margin-bottom:12px;font-weight:700;letter-spacing:.02em}
.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}
.strow:last-child{border-bottom:none}
.strow b{color:#FFB35C;font-family:'Manrope',sans-serif;font-size:16px;text-align:right}
/* strips + bands */
.strip{background:var(--slate-soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:16px var(--gutter);flex-wrap:wrap;gap:10px 22px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{color:var(--slate-mid);font-size:17px}
.emergency{background:var(--orange);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;color:var(--ink)}
.emergency p{font-size:15px}
.emergency .btn{background:var(--slate);color:#fff;box-shadow:none}
.sec{padding:68px 0;background:#fff}
.sec.soft{background:var(--slate-soft)}
.kick{color:var(--slate);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2{font-size:32px;margin:8px 0 22px}
.sec h3{font-size:21px;margin:26px 0 8px}
main p{margin-bottom:0}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul.plainlist,main ol.plainlist{margin:14px 0 0 22px}
main ul.plainlist li,main ol.plainlist li{margin-top:7px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
article>h2:first-child{margin-top:0}
article h2{margin-top:44px}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--slate);color:#fff;border-radius:16px;padding:26px;box-shadow:0 18px 40px rgba(30,40,51,.18)}
.sidecard .sc-kick{color:#FFB35C;font-weight:800;font-size:12.5px;letter-spacing:.1em;text-transform:uppercase}
.sidecard h3{color:#fff;font-size:21px;margin:8px 0 8px}
.sidecard p{color:#D5DCE3;font-size:15px;margin-bottom:16px}
.sidecard .btn{width:100%}
.sidecard ul{list-style:none;margin:18px 0 14px}
.sidecard li{padding:7px 0 7px 26px;position:relative;font-size:14.5px;border-top:1px solid rgba(255,255,255,.12)}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:#FFB35C;font-weight:800}
.sidecard .sc-link{color:#fff;font-weight:700;font-size:14.5px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px}
.card .ic{width:48px;height:48px;background:var(--slate-soft);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:12px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:15px;color:var(--muted)}
.card p+p{margin-top:10px}
.card a.more{color:var(--slate-mid);font-weight:700;font-size:14.5px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.cards.four{grid-template-columns:repeat(4,1fr)}
.prepcard{border-left:4px solid var(--orange)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:14px;padding:24px;text-align:left;border:1px solid var(--line)}
.whycard .num{width:42px;height:42px;background:var(--slate-mid);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Manrope',sans-serif;font-weight:800;margin-bottom:12px}
.whycard h3{font-size:17px;margin:0 0 6px}
.whycard p{font-size:15px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;position:relative}
.step{text-align:center;padding:0 10px}
.step .n{width:56px;height:56px;border-radius:50%;background:var(--orange);color:var(--ink);font-family:'Manrope',sans-serif;font-weight:800;font-size:21px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.step h3{font-size:17px;margin:0 0 6px}
.step p{font-size:15px;color:var(--muted)}
.table-wrap{overflow-x:auto;margin-top:18px;border:1px solid var(--line);border-radius:14px}
table.ctable{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
table.ctable th{background:var(--slate);color:#fff;text-align:left;padding:13px 16px;font-size:13px;letter-spacing:.04em;text-transform:uppercase}
table.ctable td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
table.ctable tr:nth-child(even) td{background:var(--slate-soft)}
.callout{background:var(--orange-tint);border-left:5px solid var(--orange);border-radius:10px;padding:18px 20px;margin-top:22px}
.callout h3{margin:0 0 6px;font-size:18px}
.callout p{font-size:16px}
.localnote{background:var(--slate-soft);border:1px solid var(--line);border-radius:14px;padding:24px;margin-top:40px}
.localnote h2{margin:0 0 6px !important;font-size:24px !important}
.insurepanel{background:var(--slate);color:#fff;border-radius:16px;padding:30px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h2,.insurepanel h3{color:#FFB35C;margin:0 0 8px}
.insurepanel p{color:#D5DCE3;font-size:16px;max-width:620px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:16px}
.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{border-color:var(--slate-mid)}
.faq{margin-top:16px}
.faq details{border:1px solid var(--line);border-radius:12px;margin-top:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:16px 18px;list-style:none;position:relative;padding-right:46px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:18px;top:12px;font-size:24px;color:var(--slate-mid);font-weight:600}
.faq details[open] summary:after{content:"\2212"}
.faq .ans{padding:0 18px 16px}
.ctaband{background:var(--slate);color:#fff;padding:58px 0;text-align:center}
.ctaband h2{font-size:36px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:17px;margin:0 auto 22px;color:#D5DCE3;max-width:640px}
.mapblock{background:var(--slate-soft);padding:40px 0;border-top:1px solid var(--line)}
.mapblock h2{font-size:24px;margin-bottom:14px}
.mapblock iframe{width:100%;height:340px;border:0;border-radius:14px;display:block}
.mapblock p.mapcap{font-size:14px;color:var(--muted);margin-top:10px}
.locmap{margin-top:22px}
.locmap iframe{width:100%;height:320px;border:0;border-radius:14px}
/* blog */
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.postcard{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff;display:flex;flex-direction:column}
.postcard .thumb{height:130px;background:linear-gradient(135deg,#1E2833,#3F5468);position:relative;display:flex;align-items:flex-end;padding:12px 16px;color:#FFB35C;font-weight:800;font-size:12.5px;letter-spacing:.1em;text-transform:uppercase}
.postcard .thumb img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.postcard .pc-body{padding:20px;display:flex;flex-direction:column;flex:1}
.postcard h3{font-size:18px;margin:0 0 8px}
.postcard h3 a{color:var(--ink);text-decoration:none}
.postcard p{font-size:15px;color:var(--muted)}
.postcard .readmore{margin-top:auto;padding-top:12px;font-weight:700;font-size:14.5px}
.byline{font-size:14px;color:#C9D3DC}
/* footer */
footer.sitefooter{background:var(--ink);color:#C9D3DC;padding:54px 0 28px;font-size:15px}
footer .fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:34px}
footer h2{font-size:16px;color:#fff;margin-bottom:12px}
footer a{color:#C9D3DC;text-decoration:none;display:block;margin-bottom:8px}
footer a:hover{color:#fff;text-decoration:underline}
footer p{margin-bottom:8px;color:#C9D3DC}
footer p+p{margin-top:0}
footer .logo img{height:40px;margin-bottom:14px}
footer .fnote{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:20px;font-size:13.5px;color:#AEBAC6}
footer .fnote p{margin-bottom:6px}
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--slate);z-index:90;padding:10px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.sticky-cta a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:800;font-size:16px;text-decoration:none;min-height:44px}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--orange);color:var(--ink);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:90}
@media(max-width:980px){.nav-links{display:none}.hamburger{display:flex}.hero .wrap{grid-template-columns:1fr}.twocol{grid-template-columns:1fr}.sidecard{position:static}.cards,.why,.cards.four{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.areas{grid-template-columns:repeat(3,1fr)}.bloggrid{grid-template-columns:1fr 1fr}.insurepanel{grid-template-columns:1fr}footer .fgrid{grid-template-columns:1fr 1fr}.floatcall{display:none}}
@media(max-width:700px){body{padding-bottom:68px;font-size:16.5px}.sticky-cta{display:block}.hero{padding:48px 0 44px}.hero h1{font-size:32px}.pagehead h1{font-size:29px}.cards,.why,.cards.two,.cards.four,.steps,.bloggrid{grid-template-columns:1fr}.areas{grid-template-columns:1fr 1fr}footer .fgrid{grid-template-columns:1fr}.sec{padding:48px 0}.sec h2{font-size:26px}.ctaband h2{font-size:28px}.logo img{height:36px}.topbar .wrap{justify-content:center;text-align:center}}

.topbar-inner{align-items:center}
.topbar-hours{opacity:.9}
.nav-cta{white-space:nowrap}
.drawer-inner{display:flex;flex-direction:column;min-height:100%}
.cards.prep{grid-template-columns:repeat(auto-fit,minmax(190px,1fr))}
.inlinecall{background:var(--slate-soft);border-left:4px solid var(--orange,#F28C28);border-radius:8px;padding:14px 18px;margin:26px 0;font-weight:600}
.inlinecall a{color:var(--slate);text-decoration:none;white-space:nowrap}
html,body{overflow-x:clip}
.callout{margin-bottom:28px}