:root{
--slate-900:#1E2833;--slate:#2C3D4D;--steel:#3F5468;--orange:#F2860E;--orange-hover:#FFA036;--mist:#F2F5F7;--line:#DEE5EB;--muted:#5A6672;--ink:#1E2833;--white:#fff;--soft:#B7C1CA;
--radius:14px;--gap:24px;--font-body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;--font-head:"Manrope","Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--ink);background:var(--white);line-height:1.65;font-size:16px;-webkit-text-size-adjust:100%}
img,svg{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2}
a{color:var(--steel)}
a:hover{color:var(--slate-900)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--orange);color:var(--slate-900);font-weight:700;padding:10px 16px;z-index:200;border-radius:0 0 8px 0}
.skip-link:focus{left:0}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--orange);color:var(--slate-900);font-weight:800;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(242,134,14,.30);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--orange-hover);color:var(--slate-900)}
.btn.alt{background:var(--steel);color:var(--white);box-shadow:0 10px 22px rgba(63,84,104,.28)}
.btn.alt:hover{background:var(--slate);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(--steel);color:var(--ink)}
.btn.dark{background:var(--slate-900);color:var(--white);box-shadow:none}
.btn.dark:hover{background:var(--slate);color:var(--white)}
.btn.block{display:flex;width:100%}
.topbar{background:var(--slate-900);color:var(--soft);font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--orange);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-shrink:0;text-decoration:none}
.logo img{display:block;height:44px;width:auto}
.navlinks{display:flex;align-items:center;gap:6px;list-style:none}
.navlinks>li{position:relative}
.navlinks>li>a,.navlinks>li>button{color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px;padding:10px 12px;background:none;border:0;cursor:pointer;font-family:inherit;display:inline-flex;align-items:center;gap:5px;border-radius:8px}
.navlinks>li>a:hover,.navlinks>li>button:hover{color:var(--steel);background:var(--mist)}
.navlinks .caret{font-size:10px}
.dropmenu{position:absolute;top:100%;left:0;min-width:270px;background:var(--white);border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(30,40,51,.16);padding:8px;list-style:none;display:none;z-index:90}
.hasdrop:hover>.dropmenu,.hasdrop:focus-within>.dropmenu{display:block}
.dropmenu li{list-style:none}
.dropmenu a{display:block;color:var(--ink);text-decoration:none;font-weight:600;font-size:14px;padding:9px 12px;border-radius:8px}
.dropmenu a:hover{background:var(--mist);color:var(--steel)}
.dropmenu .dropnote{font-size:11.5px;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;padding:8px 12px 2px}
.navcall{margin-left:6px}
.navcall .btn{font-size:14.5px;padding:11px 18px;white-space:nowrap}
.menu-toggle{display:none;background:var(--mist);border:1px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.menu-toggle span{display:block;width:22px;height:2px;background:var(--slate-900);border-radius:2px}
.mobile-menu{display:none;background:var(--white);border-top:1px solid var(--line);padding:12px 24px 22px;max-height:calc(100vh - 120px);overflow-y:auto}
.mobile-menu.open{display:block}
.mobile-menu .menu-label{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin:14px 0 4px}
.mobile-menu ul{list-style:none}
.mobile-menu li a{display:block;padding:11px 4px;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.mobile-menu .btn{margin-top:16px}
.hero{background:var(--white);padding:64px 0;position:relative;isolation:isolate;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative}
.hero h1{font-size:clamp(30px,5vw,44px);line-height:1.12;margin-bottom:16px}
.hero h1 span{color:var(--steel)}
.hero p.lead{color:var(--muted);font-size:17px;max-width:520px;margin-bottom:24px}
.hero.has-hero{background:var(--slate-900)}
.hero.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(30,40,51,.92) 0%,rgba(30,40,51,.78) 55%,rgba(30,40,51,.55) 100%);z-index:-1}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero.has-hero h1,.hero.has-hero p.lead,.hero.has-hero .trustrow{color:var(--white)}
.hero.has-hero h1 span{color:var(--orange)}
.hero.has-hero .btn.ghost{background:transparent;color:var(--white);border-color:rgba(255,255,255,.55)}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--mist);color:var(--slate);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"\25CF";color:var(--orange);font-size:10px}
.badge-alt{background:var(--orange);color:var(--slate-900)}
.badge-alt:before{color:var(--slate-900)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:18px;flex-wrap:wrap;color:var(--muted);font-size:13.5px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--steel);font-weight:800}
.hero.has-hero .trustrow li:before{color:var(--orange)}
.statpanel{background:var(--slate-900);color:var(--white);border-radius:var(--radius);padding:28px}
.statpanel h2{font-size:15px;color:var(--soft);margin-bottom:16px;font-weight:700}
.strow{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:14px}
.strow:last-child{border-bottom:none}
.strow b{color:var(--orange);font-family:var(--font-head);font-size:17px;text-align:right}
.pagehead{background:linear-gradient(135deg,var(--slate-900) 0%,var(--slate) 55%,var(--steel) 100%);color:var(--white);padding:46px 0 50px;position:relative;isolation:isolate;overflow:hidden}
.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(30,40,51,.93) 0%,rgba(30,40,51,.8) 60%,rgba(30,40,51,.6) 100%);z-index:-1}
.pagehead h1{font-size:clamp(28px,4.6vw,38px);line-height:1.15;margin-bottom:12px;max-width:860px}
.pagehead .sub{font-size:17px;color:#DCE3E9;max-width:760px;margin-bottom:22px}
.crumbs{font-size:13.5px;color:var(--soft);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(--soft)}
.crumbs a{color:var(--white);text-decoration:none;font-weight:600}
.crumbs a:hover{text-decoration:underline;color:var(--white)}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:22px;list-style:none}
.zip-chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.35);color:var(--white);font-weight:800;font-size:14px;padding:6px 14px;border-radius:100px}
.zips-label{font-size:13px;color:var(--soft);font-weight:700;margin-bottom:8px;text-transform:uppercase;letter-spacing:.08em}
.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}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{color:var(--steel);font-size:18px}
.emergency{background:var(--orange);color:var(--slate-900);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}
.sec{padding:76px 0;background:var(--white)}
.sec.tint{background:var(--mist)}
.kick{color:var(--slate);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.title{font-size:34px;margin:10px 0 28px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card .ic{width:50px;height:50px;background:var(--mist);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:18px;margin-bottom:8px}
.card p{font-size:15px;color:var(--muted);margin-bottom:10px}
.card a.more{color:var(--steel);font-weight:800;font-size:14px;text-decoration:none}
.card a.more:hover{text-decoration:underline}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:var(--white);border-radius:var(--radius);padding:24px;text-align:center}
.sec.tint .whycard{background:var(--white)}
.whycard .num{width:44px;height:44px;background:var(--steel);color:var(--white);border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:800;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:16.5px;margin-bottom:6px}
.whycard p{font-size:14.5px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;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(--orange);color:var(--slate-900);font-family:var(--font-head);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-bottom:6px}
.step p{font-size:14.5px;color:var(--muted)}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);margin:18px 0 8px;background:var(--white)}
.dtable{width:100%;border-collapse:collapse;min-width:560px}
.dtable th{background:var(--slate);color:var(--white);text-align:left;font-size:12.5px;text-transform:uppercase;letter-spacing:.05em;padding:14px 18px}
.dtable td{padding:14px 18px;border-top:1px solid var(--line);font-size:15px;vertical-align:top}
.dtable tr:nth-child(even) td{background:var(--mist)}
.dtable td:first-child{font-weight:700;color:var(--slate)}
.insurepanel{background:var(--slate-900);color:var(--white);border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h2{font-size:24px;margin-bottom:8px;color:var(--orange)}
.insurepanel p{font-size:15.5px;color:var(--soft);max-width:640px}
.insurepanel p+p{margin-top:12px}
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.areas a{background:var(--mist);padding:16px 18px;border-radius:12px;color:var(--ink);text-decoration:none;font-weight:700;font-size:15px;display:block}
.areas a span{display:block;font-weight:500;font-size:13.5px;color:var(--muted);margin-top:2px}
.areas a:hover{background:var(--line);color:var(--ink)}
.ctaband{background:var(--slate-900);color:var(--white);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}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 14px 34px rgba(30,40,51,.10)}
.sidecard .kicker{display:inline-block;background:var(--orange);color:var(--slate-900);font-weight:800;font-size:12px;text-transform:uppercase;letter-spacing:.08em;padding:5px 11px;border-radius:100px;margin-bottom:12px}
.sidecard h3{font-size:20px;margin-bottom:8px}
.sidecard p{font-size:14.5px;color:var(--muted);margin-bottom:16px}
.sidecard ul{list-style:none;margin:18px 0}
.sidecard li{font-size:14px;font-weight:600;padding:6px 0 6px 26px;position:relative;border-top:1px solid var(--line)}
.sidecard li:before{content:"\2713";position:absolute;left:4px;color:var(--steel);font-weight:800}
.sidecard .svc{font-size:14px;font-weight:800}
.article h2{font-size:28px;margin:44px 0 14px}
.article>h2:first-child,.article .intro+h2{margin-top:36px}
.article h3{font-size:19px;margin:22px 0 8px}
main p{font-size:17px;line-height:1.7}
main p + p{margin-top:14px}
main h2+p,main h2+.tablewrap{margin-top:14px}
.article ul.bullets,.article ol.numlist{margin:14px 0 4px 22px}
.article ul.bullets li,.article ol.numlist li{font-size:17px;line-height:1.65;margin-bottom:8px}
.article a{font-weight:600}
.intro p{font-size:18px}
.cardgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:18px}
.cardgrid .card{padding:22px}
.cardgrid .card h3{margin:0 0 6px;font-size:17px}
.cardgrid .card p{font-size:15.5px;margin:0;color:var(--muted)}
.cardgrid .card p+p{margin-top:0}
.prepgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:18px;counter-reset:prep}
.prepcard{background:var(--mist);border-left:5px solid var(--orange);border-radius:12px;padding:20px 22px;counter-increment:prep}
.prepcard h3{margin:0 0 6px;font-size:17px}
.prepcard h3:before{content:counter(prep) ". ";color:var(--steel)}
.prepcard p{font-size:15.5px;margin:0;color:var(--ink)}
.costbox{background:var(--mist);border:1px solid var(--line);border-radius:var(--radius);padding:26px;margin-top:20px}
.costbox .cardgrid{margin-top:14px}
.costcall{margin-top:18px;font-weight:700}
.costcall a{color:var(--slate-900);font-weight:800}
.insureline{margin-top:16px;padding-top:16px;border-top:1px solid var(--line)}
.localnote{background:var(--white);border:1px solid var(--line);border-left:5px solid var(--steel);border-radius:12px;padding:24px 26px;margin-top:36px}
.localnote h2{margin:0 0 12px;font-size:24px}
.callout{background:#FFF4E5;border:1px solid #F3C98F;border-radius:12px;padding:20px 24px;margin:26px 0}
.callout h3{margin:0 0 8px;font-size:18px}
.callout p{font-size:16px}
.stepslist{list-style:none;counter-reset:st;margin-top:16px}
.stepslist li{counter-increment:st;position:relative;padding:4px 0 16px 58px;margin-bottom:6px}
.stepslist li:before{content:counter(st);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--steel);color:var(--white);font-weight:800;display:flex;align-items:center;justify-content:center;font-family:var(--font-head)}
.stepslist h3{margin:0 0 4px;font-size:18px}
.stepslist p{font-size:16px;margin:0}
.midcta{background:var(--slate-900);color:var(--white);border-radius:var(--radius);padding:28px;margin:40px 0;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.midcta h2{font-size:22px;margin:0 0 4px}
.midcta p{font-size:15px;color:var(--soft);margin:0}
.faqwrap{margin-top:44px}
.faqwrap h2{margin:0 0 16px}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:var(--white);overflow:hidden}
.faq-item h3{margin:0;font-size:17px}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:18px 22px;font:inherit;font-weight:800;font-family:var(--font-head);font-size:17px;cursor:pointer;color:var(--ink);display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq-q:after{content:"+";font-size:22px;color:var(--steel);flex-shrink:0}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-a{padding:0 22px 18px}
.js .faq-a{max-height:0;overflow:hidden;padding:0 22px;transition:max-height .3s ease}
.js .faq-item.open .faq-a{padding:0 22px 18px}
.faq-a p{font-size:16.5px}
.map-sec{padding:0;background:var(--white)}
.map-sec .wrap{padding-top:44px;padding-bottom:44px}
.map-sec h2{font-size:26px;margin-bottom:6px}
.map-sec p.mapnote{color:var(--muted);margin-bottom:16px;font-size:16px}
.map-frame{width:100%;height:380px;border:0;border-radius:var(--radius);display:block;background:var(--mist)}
.locmap{margin-top:30px}
.locmap h2{font-size:24px;margin:0 0 12px}
.blogcards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.blogcard{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column}
.blogcard .tag{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--steel);margin-bottom:8px}
.blogcard h2,.blogcard h3{font-size:19px;margin-bottom:8px}
.blogcard h2 a,.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h2 a:hover,.blogcard h3 a:hover{color:var(--steel);text-decoration:underline}
.blogcard p{font-size:15px;color:var(--muted);margin-bottom:12px}
.blogcard .more{margin-top:auto;font-weight:800;font-size:14px;color:var(--steel);text-decoration:none}
.postmeta{font-size:14px;color:var(--soft);margin-bottom:6px}
.site-footer{background:var(--slate-900);color:var(--soft);padding:52px 0 36px;font-size:14.5px}
.site-footer .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
.site-footer h2{color:var(--white);font-size:16px;margin-bottom:12px}
.site-footer a{color:var(--soft);text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--white);text-decoration:underline}
.site-footer .logo{margin-bottom:14px}
.site-footer p{font-size:14.5px;line-height:1.6;margin-bottom:6px}
.site-footer address{font-style:normal;line-height:1.6;margin-bottom:8px}
.site-footer a.tel{color:var(--orange);font-weight:800;display:inline-block}
.footnote{border-top:1px solid rgba(255,255,255,.14);margin-top:30px;padding-top:18px;font-size:13px;color:var(--soft)}
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--slate-900);z-index:80;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(--white);font-weight:800;font-size:15.5px;text-decoration:none}
.fab{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--orange);color:var(--slate-900);display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(30,40,51,.35);z-index:70}
.fab:hover{background:var(--orange-hover);color:var(--slate-900)}
.prose-page .article{max-width:820px}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:24px 0}
.contact-grid .card h3{font-size:17px}
.notfound{text-align:center;padding:90px 0}
.notfound h1{font-size:clamp(30px,5vw,44px);margin-bottom:14px}
.notfound p{margin:0 auto 24px;max-width:560px;color:var(--muted)}
@media(max-width:1024px){
.navlinks,.navcall{display:none}
.menu-toggle{display:flex}
.site-footer .wrap{grid-template-columns:1fr 1fr}
}
@media(max-width:900px){
.hero .wrap,.insurepanel{grid-template-columns:1fr}
.cards,.why,.blogcards{grid-template-columns:1fr 1fr}
.steps{grid-template-columns:1fr 1fr;row-gap:28px}
.steps:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.hero h1{font-size:34px}
.pagehead h1{font-size:30px}
.twocol{grid-template-columns:minmax(0,1fr);gap:28px}
.sidecard{position:static}
.contact-grid{grid-template-columns:1fr}
}
@media(max-width:760px){
.stickybar{display:block}
body{padding-bottom:64px}
.fab{display:none}
.cards,.why,.blogcards,.cardgrid,.prepgrid,.areas{grid-template-columns:1fr}
.steps{grid-template-columns:1fr}
.sec{padding:52px 0}
.sec h2.title{font-size:28px}
.ctaband h2{font-size:30px}
.article h2{font-size:25px}
.site-footer .wrap{grid-template-columns:1fr}
.midcta{padding:22px}
.hero{padding:44px 0}
.topbar .wrap{justify-content:center;text-align:center}
}
@media(max-width:400px){
.wrap{padding:0 16px}
.logo img{height:38px}
.hero h1{font-size:30px}
.btn{padding:14px 20px}
}
.pagehead .btn.ghost{background:transparent;color:var(--white);border-color:rgba(255,255,255,.55)}
.pagehead .btn.ghost:hover{border-color:var(--white);color:var(--white)}
.pagehead .cta-row{margin-bottom:0}
.callout-title{font-family:var(--font-head);font-weight:800;font-size:18px;margin-bottom:8px}
.article-wide{max-width:900px}
.map-inline{margin-top:30px}
.map-inline h2,.map-inline h3{margin:0 0 6px;font-size:22px}
.map-inline .mapnote{margin-bottom:12px;color:var(--muted)}
.map-inline .wrap{padding:0}
.article{min-width:0}
.tablewrap{max-width:100%}
main p,main li,.card p,.site-footer p,.site-footer a{overflow-wrap:anywhere}

/* photo cards */
.card.hasimg,.blogcard.hasimg{padding:0;overflow:hidden}
.cardimg{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;background:var(--mist)}
.thumblink{display:block}
.card.hasimg .cardbody{padding:22px 26px 24px}
.blogcard.hasimg .cardbody{padding:20px 24px 24px;display:flex;flex-direction:column;flex:1}