:root{
--pine:#1F4235;--deep:#153027;--amber:#E0A030;--amber-d:#C0851C;--mist:#F1F6F2;--line:#DCE8DE;--ink:#1B2420;--muted:#576257;--soft:#B9CCC1;--white:#fff;
--r:14px;--shadow:0 10px 22px rgba(31,66,53,.12);
--serif:'Fraunces',Georgia,'Times New Roman',serif;--sans:'Karla',system-ui,-apple-system,'Segoe UI',Arial,sans-serif
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--white);line-height:1.65;font-size:17px;-webkit-text-size-adjust:100%}
h1,h2,h3,h4{font-family:var(--serif);letter-spacing:-.01em;line-height:1.2}
img{max-width:100%;height:auto;display:block}
a{color:var(--pine)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--amber);color:var(--deep);padding:10px 16px;font-weight:700;z-index:200;border-radius:8px}
.skip-link:focus{left:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--amber);color:var(--deep);font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(224,160,48,.32);border:0;cursor:pointer;font-family:var(--sans);line-height:1.2}
.btn:hover{background:var(--amber-d)}
.btn-alt{background:var(--pine);color:#fff;box-shadow:0 10px 22px rgba(31,66,53,.28)}
.btn-alt:hover{background:var(--deep)}
.btn-ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn-ghost:hover{background:var(--mist)}
.btn-block{display:flex;width:100%}
.btn-sm{font-size:14px;padding:11px 20px}
.btn svg{width:18px;height:18px;flex:none}
/* topbar + nav */
.topbar{background:var(--deep);color:var(--soft);font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar a{color:var(--amber);font-weight:700;text-decoration:none}
.site-nav{background:#fff;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:20px}
.brand{display:flex;align-items:center;flex:none}
.brand img{width:auto;height:44px}
.navlinks{display:flex;align-items:center;gap:4px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a,.navlinks>li>button.navbtn{color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:10px 13px;background:none;border:0;font-family:var(--sans);cursor:pointer;display:inline-flex;align-items:center;gap:6px;border-radius:8px;line-height:1.2}
.navlinks>li>a:hover,.navlinks>li>button.navbtn:hover{color:var(--pine);background:var(--mist)}
.navlinks>li>a.btn{color:var(--deep);padding:11px 20px;font-size:14.5px;margin-left:8px}
.navlinks>li>a.btn:hover{background:var(--amber-d);color:var(--deep)}
.navbtn:after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);display:inline-block}
.dropmenu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(21,48,39,.18);padding:18px;z-index:80;list-style:none}
.dropmenu li{list-style:none}
.navlinks>li:hover>.dropmenu,.navlinks>li:focus-within>.dropmenu{display:block}
.dropmenu a{display:block;text-decoration:none;color:var(--ink);font-size:14.5px;font-weight:600;padding:6px 8px;border-radius:6px}
.dropmenu a:hover{background:var(--mist);color:var(--pine)}
.dropmenu-wide{width:760px;left:auto;right:-120px}
.dropgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px 22px}
.dropgrid h3{font-size:12.5px;text-transform:uppercase;letter-spacing:.08em;color:var(--pine);font-family:var(--sans);margin-bottom:4px;padding:0 8px}
.dropgrid ul{list-style:none}
.droptop{grid-column:1/-1;display:flex;gap:10px;flex-wrap:wrap;padding-bottom:12px;border-bottom:1px solid var(--line)}
.droptop h3{width:100%}
.droptop a{background:var(--mist);border:1px solid var(--line)}
.dropmenu-narrow{min-width:230px}
.dropmenu-narrow a{white-space:nowrap}
.menu-toggle{display:none;background:none;border:2px solid var(--line);border-radius:10px;padding:9px 12px;font-weight:700;font-family:var(--sans);font-size:15px;cursor:pointer;color:var(--ink)}
.mobile-panel{display:none}
/* heroes */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--deep) 0%,var(--pine) 100%)}
.hero{padding:70px 0 74px}
.pagehead{padding:54px 0 58px}
.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(90deg,rgba(21,48,39,.86) 0%,rgba(21,48,39,.68) 55%,rgba(21,48,39,.42) 100%)}
.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:#fff;font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px;border:1px solid rgba(255,255,255,.22)}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--amber);box-shadow:0 0 0 4px rgba(224,160,48,.3)}
.badge-alt{background:var(--amber);color:var(--deep);border-color:var(--amber)}
.badge-alt:before{background:var(--deep);box-shadow:0 0 0 4px rgba(21,48,39,.22)}
.hero h1,.pagehead h1{color:#fff}
.hero h1{font-size:clamp(30px,4.2vw,44px);margin-bottom:16px}
.hero h1 span{color:var(--amber)}
.pagehead h1{font-size:clamp(28px,3.6vw,38px);margin-bottom:12px;max-width:860px}
.hero p.lead,.pagehead p.lead{color:#E7EFE9;font-size:18px;max-width:640px;margin-bottom:22px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.hero .btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.hero .btn-ghost:hover{background:rgba(255,255,255,.12)}
.trustrow{display:flex;gap:10px 20px;flex-wrap:wrap;color:#E7EFE9;font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--amber)}
.statpanel{background:rgba(21,48,39,.82);border:1px solid rgba(255,255,255,.16);border-radius:var(--r);padding:28px;backdrop-filter:blur(2px)}
.statpanel h2{font-size:15px;opacity:.78;margin-bottom:14px;font-family:var(--sans);font-weight:700;text-transform:uppercase;letter-spacing:.08em}
.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:0}
.strow b{color:var(--amber);font-family:var(--serif);font-size:16.5px;text-align:right}
.crumbs{font-size:13.5px;margin-bottom:14px;color:var(--soft)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"/";margin-right:6px;opacity:.6}
.crumbs a{color:#fff;text-decoration:underline;text-decoration-color:rgba(255,255,255,.4)}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 20px}
.zip-chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);color:#fff;font-weight:700;font-size:14px;padding:5px 13px;border-radius:100px}
.zip-chip.primary{background:var(--amber);color:var(--deep);border-color:var(--amber)}
.meta-line{font-size:14px;color:var(--soft);margin-top:4px}
/* strip + emergency band */
.strip{background:var(--mist);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 18px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14.5px}
.stripitem svg{width:22px;height:22px;color:var(--pine);flex:none}
.emergency{background:var(--amber);color:var(--deep);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(--deep);color:#fff;box-shadow:none}
.emergency .btn:hover{background:var(--pine)}
/* sections */
.sec{padding:72px 0;background:#fff}
.sec-mist{background:var(--mist)}
.kick{color:var(--pine);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.sec-title{font-size:34px;margin:10px 0 30px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card .ic{width:50px;height:50px;background:var(--mist);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px;color:var(--pine)}
.card .ic svg{width:26px;height:26px}
.card h3{font-size:18px;margin-bottom:8px}
.card p{font-size:15px;color:var(--muted);margin-bottom:10px}
.card a{color:var(--pine);font-weight:700;font-size:14.5px}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--r);padding:24px;text-align:center;border:1px solid var(--line)}
.sec-mist .whycard{border-color:transparent}
.whycard .num{width:44px;height:44px;background:var(--pine);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;margin-bottom:6px}
.whycard p{font-size:15px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);position:relative;list-style:none}
.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:var(--deep);font-family:var(--serif);font-weight:700;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-bottom:6px}
.step p{font-size:15px;color:var(--muted)}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);margin:22px 0;background:#fff}
.ctable{width:100%;border-collapse:collapse;min-width:560px;font-size:15px}
.ctable th{background:var(--deep);color:#fff;text-align:left;padding:14px 18px;font-size:12.5px;text-transform:uppercase;letter-spacing:.06em}
.ctable td{padding:14px 18px;border-top:1px solid var(--line);vertical-align:top}
.ctable td:first-child{font-weight:700;color:var(--pine)}
.insurepanel{background:var(--deep);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:15.5px;color:var(--soft);max-width:600px}
.insurepanel p+p{margin-top:10px}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.areas a{background:#fff;border:1px solid var(--line);padding:14px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:15px;text-align:center}
.areas a:hover{background:var(--mist)}
.ctaband{background:var(--deep);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:38px;margin-bottom:8px}
.ctaband p{font-size:17px;margin:0 auto 24px;color:var(--soft);max-width:640px}
/* article layout */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.twocol article>*:first-child{margin-top:0}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
article h2{font-size:29px;margin:44px 0 0}
article h3{font-size:21px;margin:28px 0 0}
article p,article li{font-size:17px}
article ul,article ol{margin:14px 0 0 22px}
article li+li{margin-top:8px}
article p a,article li a,.faq-a a{font-weight:600}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--mist);border:1px solid var(--line);border-radius:16px;padding:26px}
.sidecard .kick{display:block;margin-bottom:8px}
.sidecard h3{font-size:22px;margin:0 0 8px}
.sidecard p{font-size:15px;color:var(--muted);margin-bottom:16px}
.sidecard ul{list-style:none;margin:18px 0 0;padding:0}
.sidecard li{font-size:15px;font-weight:600;padding:7px 0 7px 26px;position:relative;border-top:1px solid var(--line)}
.sidecard li:before{content:"\2713";position:absolute;left:4px;color:var(--pine);font-weight:700}
.sidecard .sidelink{display:block;margin-top:16px;font-weight:700;font-size:15px}
.callout{background:var(--mist);border-left:5px solid var(--amber);border-radius:0 12px 12px 0;padding:20px 22px;margin:26px 0 0}
.callout h3{margin:0 0 8px;font-size:19px}
.callout p{font-size:16px}
.callout ul{margin-top:10px}
.warn{background:#FFF6E3;border-left-color:var(--amber-d)}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:18px}
.prepcard{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px}
.prepcard h3{margin:0 0 6px;font-size:17px}
.prepcard p{font-size:15.5px;color:var(--muted)}
.prepcard .pn{display:inline-flex;width:30px;height:30px;border-radius:50%;background:var(--amber);color:var(--deep);font-weight:700;align-items:center;justify-content:center;margin-bottom:8px;font-size:15px}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:18px}
.fact{background:var(--mist);border-radius:12px;padding:16px}
.fact b{display:block;font-family:var(--serif);font-size:18px;color:var(--pine)}
.fact span{font-size:14.5px;color:var(--muted)}
.localnote{background:var(--mist);border:1px solid var(--line);border-radius:14px;padding:24px 26px;margin:34px 0 0}
.localnote h2{margin:0 0 6px!important;font-size:24px}
.faq{margin-top:12px}
.faq details{border:1px solid var(--line);border-radius:12px;margin-top:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;padding:16px 48px 16px 18px;list-style:none;position:relative;font-size:17px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--pine);font-weight:400}
.faq details[open] summary:after{content:"\2212"}
.faq-a{padding:0 18px 16px}
.faq-a p{font-size:16.5px}
.byline{font-size:14px;color:var(--muted);margin-top:10px}
.blog-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.blogcard{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;display:flex;flex-direction:column}
.blogcard img{width:100%;aspect-ratio:16/9;object-fit:cover}
.blogcard div{padding:18px}
.blogcard h2,.blogcard h3{font-size:18px;margin-bottom:8px}
.blogcard h2 a,.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard p{font-size:15px;color:var(--muted)}
.svcgroups{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.svcgroup{border:1px solid var(--line);border-radius:var(--r);padding:22px;background:#fff}
.svcgroup h2,.svcgroup h3{font-size:19px;margin-bottom:6px}
.svcgroup p{font-size:15px;color:var(--muted);margin-bottom:10px}
.svcgroup ul{list-style:none;margin:0}
.svcgroup li{margin:0}
.svcgroup li a{display:block;padding:7px 0;border-top:1px solid var(--line);font-weight:700;text-decoration:none;font-size:15.5px}
.mapwrap{padding:0 0 0;background:#fff}
.mapwrap .wrap{padding-top:44px;padding-bottom:44px}
.mapwrap h2{font-size:26px;margin-bottom:8px}
.mapwrap p{color:var(--muted);margin-bottom:16px;font-size:15.5px}
.mapframe{border:0;width:100%;height:380px;border-radius:var(--r);background:var(--mist);display:block}
.mapframe-local{height:320px;margin-top:22px}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:20px}
.contact-card{border:1px solid var(--line);border-radius:var(--r);padding:22px;background:#fff}
.contact-card h3{font-size:19px;margin-bottom:8px;margin-top:0}
.contact-card p{font-size:16px}
.big-tel{font-family:var(--serif);font-size:30px;font-weight:700;color:var(--pine);text-decoration:none;display:inline-block;margin:6px 0}
/* footer */
footer{background:#fff;border-top:1px solid var(--line);padding:54px 0 34px;font-size:15px}
footer .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
footer .brand img{height:42px;margin-bottom:12px}
footer h2,footer h3{font-size:16px;margin-bottom:12px;color:var(--ink)}
footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:7px}
footer a:hover{color:var(--pine);text-decoration:underline}
footer p{color:var(--muted);margin-bottom:8px}
footer address{font-style:normal;color:var(--muted);margin-bottom:8px}
.footer-bottom{grid-column:1/-1;border-top:1px solid var(--line);padding-top:18px;margin-top:6px;font-size:13.5px;color:var(--muted);display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.footer-bottom a{display:inline;margin:0 0 0 14px}
.footgrp{margin-bottom:12px}
.footgrp h3{font-size:13px;text-transform:uppercase;letter-spacing:.06em;color:var(--pine);margin:0 0 6px;font-family:var(--sans)}
/* sticky calls */
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--deep);z-index:90;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}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--amber);color:var(--deep);display:flex;align-items:center;justify-content:center;box-shadow:0 10px 24px rgba(21,48,39,.35);z-index:90;text-decoration:none}
.floatcall svg{width:26px;height:26px}
.floatcall:hover{background:var(--amber-d)}
.legal article{max-width:820px}
.legal h2{font-size:24px}
@media(max-width:1100px){.dropmenu-wide{width:640px;right:-60px}.navlinks>li>a,.navlinks>li>button.navbtn{padding:10px 9px;font-size:14.5px}}
@media(max-width:960px){
.menu-toggle{display:inline-flex}
.navlinks{display:none}
.mobile-panel{position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);box-shadow:0 18px 30px rgba(21,48,39,.18);max-height:calc(100vh - 120px);overflow-y:auto;padding:14px 24px 22px}
.mobile-panel.open{display:block}
.mobile-panel h2{font-size:12.5px;text-transform:uppercase;letter-spacing:.08em;color:var(--pine);font-family:var(--sans);margin:16px 0 4px}
.mobile-panel ul{list-style:none;margin:0}
.mobile-panel a{display:block;padding:10px 4px;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.mobile-panel a.btn{color:var(--deep);margin-top:16px;border-bottom:0;text-align:center}
.hero .wrap{grid-template-columns:1fr}
.twocol{grid-template-columns:minmax(0,1fr);gap:34px}
.sidecard{position:static}
.cards,.why,.steps,.blog-cards{grid-template-columns:1fr 1fr}
.steps:before{display:none}
.steps{gap:24px 0}
.areas{grid-template-columns:1fr 1fr}
.insurepanel{grid-template-columns:1fr}
.hero h1{font-size:34px}
.pagehead h1{font-size:31px}
footer .wrap{grid-template-columns:1fr 1fr}
.prepcards,.facts,.contact-grid,.svcgroups{grid-template-columns:1fr}
.floatcall{display:none}
}
@media(max-width:760px){.stickybar{display:block}body{padding-bottom:62px}.sec{padding:52px 0}.cards,.why,.steps,.blog-cards{grid-template-columns:1fr}.hero{padding:48px 0 52px}.pagehead{padding:40px 0 44px}.sec h2.sec-title{font-size:28px}.ctaband h2{font-size:30px}.topbar .wrap{justify-content:center;text-align:center}.brand img{height:38px}.site-nav .wrap{height:68px}article h2{font-size:25px}.big-tel{font-size:26px}}
@media(max-width:420px){.wrap{padding:0 16px}.brand img{height:34px}.btn{padding:14px 20px}.areas{grid-template-columns:1fr}footer .wrap{grid-template-columns:1fr}.hero h1{font-size:30px}}
@media(min-width:961px){.mobile-panel{display:none!important}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

.area-note{margin-top:20px;max-width:760px}
.droptop-list{list-style:none;margin:0;padding:0}
.footgrp{margin-bottom:14px}
.footgrp h3{font-size:14px}

.twocol>*{min-width:0}
.tablewrap{overflow-x:auto;max-width:100%}
.brand img{width:auto;max-width:100%}
.site-nav .wrap{gap:10px}
.site-nav .brand{min-width:0;flex:1 1 auto}
.site-nav .brand img{max-width:100%}
@media(max-width:420px){footer .wrap{grid-template-columns:minmax(0,1fr)}.menu-toggle{padding:9px 10px;flex:0 0 auto}.site-nav .brand img{height:30px}}
footer .wrap>div{min-width:0}
main,footer,.sidecard{overflow-wrap:anywhere}

.stickybar svg,.floatcall svg{width:20px;height:20px;flex:0 0 auto}.floatcall svg{width:26px;height:26px}
.site-nav .brand img{height:40px;width:auto;max-width:100%}
@media(max-width:420px){.site-nav .brand img{height:36px}}

.mob-drawer{box-sizing:border-box}
.sticky-cta{box-sizing:border-box}
.blogthumb{display:block}.blogthumb img{display:block;width:100%;height:auto}
.blogcard h2{margin:0 0 8px;font-size:20px}.blogcard>div{padding:18px 20px 22px}.blogcard p{margin:0}