:root{--teal:#0E6E6E;--teal-d:#0A5252;--slate:#3D4B5C;--slate-d:#2D3947;--amber:#E8933A;--ink:#1B2226;--gray:#565F6C;--line:#E3E9E8;--tint:#F0F7F7;--tint2:#EAF6F6;--bg:#FFFFFF;--radius:14px;--bp:900px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px}
h1,h2,h3,h4{font-family:'Manrope','Inter',system-ui,sans-serif;letter-spacing:-.02em;line-height:1.2}
img{max-width:100%;height:auto}
a{color:var(--teal-d)}
a:hover{color:var(--teal)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--ink);padding:10px 16px;font-weight:700;z-index:200;text-decoration:none}
.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--teal);color:#fff;font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(14,110,110,.25);border:0;line-height:1.2}
.btn:hover{background:var(--teal-d);color:#fff}
.btn.amber{background:var(--amber);color:var(--ink);box-shadow:0 10px 22px rgba(232,147,58,.3)}
.btn.amber:hover{background:#d98427;color:var(--ink)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--teal);color:var(--teal-d)}
.btn.block{display:flex;width:100%}
.btn.sm{font-size:14px;padding:11px 20px}
/* topbar */
.topbar{background:var(--slate);color:#E2E7EC;font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar b{color:#F5B56E}
/* header */
.site-header{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;text-decoration:none;flex:0 0 auto}
.logo img{display:block;width:236px;height:48px}
.mainnav{display:flex;align-items:center;gap:4px}
.mainnav>ul{list-style:none;display:flex;align-items:center;gap:2px}
.mainnav li{position:relative}
.mainnav a.navlink,.mainnav button.navlink{display:inline-flex;align-items:center;gap:5px;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:10px 12px;background:none;border:0;cursor:pointer;font-family:inherit;border-radius:8px}
.mainnav a.navlink:hover,.mainnav button.navlink:hover,.mainnav li:focus-within>.navlink{color:var(--teal);background:var(--tint)}
.navlink.current{color:var(--teal-d)}
.caret{font-size:10px}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(27,34,38,.14);padding:8px;z-index:90;list-style:none}
.dropmenu li{display:block}
.dropmenu a{display:block;padding:10px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px}
.dropmenu a:hover{background:var(--tint);color:var(--teal-d)}
.dropmenu .dropall a{color:var(--teal-d);border-top:1px solid var(--line);margin-top:4px;border-radius:0 0 8px 8px}
.has-drop:hover>.dropmenu,.has-drop:focus-within>.dropmenu,.has-drop.open>.dropmenu{display:block}
.menubtn{display:none;background:none;border:2px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;color:var(--ink);font-size:22px;line-height:1}
.mobilemenu{display:none;background:#fff;border-top:1px solid var(--line);box-shadow:0 18px 30px rgba(27,34,38,.12)}
.mobilemenu.open{display:block}
.mobilemenu .wrap{display:block;height:auto;padding-top:10px;padding-bottom:18px}
.mobilemenu p.mm-title{font-family:'Manrope',sans-serif;font-weight:800;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--teal-d);margin:14px 0 4px}
.mobilemenu ul{list-style:none}
.mobilemenu li a{display:block;padding:11px 4px;color:var(--ink);font-weight:600;text-decoration:none;border-bottom:1px solid var(--line);font-size:16px}
.mobilemenu .btn{margin-top:14px}
/* breadcrumbs */
.crumb{font-size:13px;margin-bottom:12px;color:var(--gray)}
.crumb a{color:var(--teal-d);text-decoration:none}
.crumb a:hover{text-decoration:underline}
.photo .crumb,.photo .crumb a{color:#DCEBEA}
/* pageheads */
.pagehead{background:linear-gradient(135deg,var(--tint) 0%,#fff 100%);padding:52px 0;border-bottom:1px solid var(--line);position:relative;isolation:isolate;overflow:hidden}
.pagehead .wrap{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center;position:relative;z-index:2}
.pagehead h1{font-size:clamp(28px,3.6vw,38px);margin-bottom:12px}
.pagehead p.lead{color:var(--gray);max-width:640px;font-size:17px}
.pagehead.photo{background:linear-gradient(135deg,var(--teal-d) 0%,var(--slate) 100%);color:#fff;border-bottom:0}
.pagehead.photo p.lead{color:#E6F0EF}
.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(10,45,52,.88) 0%,rgba(10,45,52,.7) 55%,rgba(10,45,52,.5) 100%);z-index:1}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap}
.chip{background:#fff;border:1px solid var(--line);color:var(--teal-d);font-size:13px;font-weight:700;padding:7px 14px;border-radius:100px}
.chip:before{content:"\2713\00a0"}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--tint2);color:var(--teal-d);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:16px}
.badge:before{content:"\25CF";color:var(--amber);font-size:10px}
.badge.alt{background:var(--teal);color:#fff}
.badge.alt:before{color:#F5B56E}
.badge.onphoto{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.35)}
.badge.onphoto:before{color:#F5B56E}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}
.zip-chip{background:#fff;border:1px solid var(--line);border-radius:100px;padding:6px 13px;font-weight:700;font-size:13px;color:var(--teal-d)}
.herocall{background:var(--teal);color:#fff;border-radius:16px;padding:24px;text-align:center;min-width:250px;box-shadow:0 18px 40px rgba(0,0,0,.18)}
.herocall .lbl{color:#CDEDEB;font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.herocall .num{font-family:'Manrope',sans-serif;font-weight:800;font-size:25px;margin:6px 0 14px}
/* home hero */
.hero{padding:70px 0;position:relative;isolation:isolate;overflow:hidden}
.hero.photo{background:linear-gradient(135deg,var(--teal-d) 0%,var(--slate) 100%);color:#fff}
.hero.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(10,45,52,.9) 0%,rgba(10,45,52,.72) 55%,rgba(10,45,52,.5) 100%);z-index:1}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative;z-index:2}
.hero h1{font-size:clamp(30px,4.4vw,46px);line-height:1.1;margin-bottom:16px}
.hero h1 span{color:#F5B56E}
.hero p.lead{color:#E6F0EF;font-size:18px;max-width:520px;margin-bottom:24px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:8px 18px;flex-wrap:wrap;font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:#F5B56E}
.respcard{background:#fff;color:var(--ink);border-radius:18px;padding:26px;box-shadow:0 22px 48px rgba(0,0,0,.22)}
.respcard h2{font-size:15px;color:var(--gray);margin-bottom:12px;font-weight:700}
.resprow{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line);font-size:14px}
.resprow:last-child{border-bottom:none}
.resprow b{color:var(--teal-d);font-family:'Manrope',sans-serif;font-size:16px;text-align:right}
/* strip + emergency band */
.strip{background:var(--tint);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(--teal);font-size:18px}
.emergency{background:var(--teal);color:#fff;padding:24px 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:14.5px;color:#DCEFEE}
/* sections */
.sec{padding:70px 0;background:#fff}
.sec.alt{background:var(--tint)}
.kick{display:block;color:var(--teal-d);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2,.article h2{font-size:32px;margin:10px 0 16px}
.article h3{font-size:20px;margin:22px 0 8px}
main p{font-size:16.5px;line-height:1.7;color:#27323A}
main p + p{margin-top:14px}
main h2 + p,main h3 + p{margin-top:14px}
main ul.bullets{margin:12px 0 4px 20px;color:#27323A}
main ul.bullets li{margin:6px 0;line-height:1.6}
.article>*+h2{margin-top:44px}
.article,.site-footer{overflow-wrap:anywhere}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:40px;align-items:start}
.sidecard{background:var(--slate);color:#fff;border-radius:18px;padding:26px;position:sticky;top:24px;align-self:start}
.sidecard .skick{color:#F5B56E;font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px}
.sidecard h3{font-size:20px;margin:0 0 6px;color:#fff}
.sidecard p{color:#DCE3EA;font-size:14.5px;margin-bottom:14px}
.sidecard ul{list-style:none;margin-top:14px;border-top:1px solid #56667A;padding-top:12px}
.sidecard li{font-size:14px;padding:5px 0;color:#fff}
.sidecard li:before{content:"\2713\00a0";color:#F5B56E}
.sidecard .sidelink{display:block;margin-top:12px;color:#fff;font-weight:700;font-size:14px}
.sidecard .sidelink:hover{color:#F5B56E}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0}
.sign{background:var(--tint);border-radius:14px;padding:20px;border:1px solid var(--line)}
.sign h3,.sign h4{font-size:17px;margin:0 0 6px}
.sign p{font-size:14.5px;color:var(--gray);line-height:1.6}
.sign p + p{margin-top:8px}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:18px 0}
.factor{background:var(--tint);border-radius:16px;padding:22px;border:1px solid var(--line)}
.factor h3{font-size:17px;margin:0 0 8px;color:var(--teal-d)}
.factor p{font-size:14.5px;color:var(--gray);line-height:1.6}
.prep{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin:18px 0}
.prepcard{background:#fff;border:2px solid var(--line);border-left:6px solid var(--amber);border-radius:12px;padding:18px 20px}
.prepcard h3{font-size:16.5px;margin:0 0 6px}
.prepcard p{font-size:14.5px;color:var(--gray);line-height:1.6}
.callout{background:var(--tint2);border-left:6px solid var(--teal);border-radius:12px;padding:20px 24px;margin:22px 0}
.callout h3{font-size:18px;margin:0 0 6px;color:var(--teal-d)}
.callout p{font-size:15.5px}
.callout.warn{background:#FFF4E5;border-left-color:var(--amber)}
.callout.warn h3{color:#7A4308}
.localnote{background:#fff;border:2px solid var(--tint2);border-radius:16px;padding:24px 26px;margin:30px 0}
.localnote h2{margin-top:0;font-size:26px}
.midcta{background:var(--amber);border-radius:16px;color:var(--ink);padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;margin:34px 0;flex-wrap:wrap}
.midcta h3{font-size:21px;margin:0 0 4px;color:var(--ink)}
.midcta p{font-size:15px;color:#2B2316}
.midcta .btn{background:var(--slate);color:#fff;box-shadow:none}
.midcta .btn:hover{background:var(--slate-d)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin:26px 0}
.steps:before{content:"";position:absolute;top:30px;left:12%;right:12%;height:2px;background:var(--line)}
.step{text-align:center;padding:0 14px;position:relative}
.step .n{width:60px;height:60px;border-radius:50%;background:var(--amber);color:var(--ink);font-family:'Manrope',sans-serif;font-weight:800;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(--gray);line-height:1.55}
.tablewrap{overflow-x:auto;margin:20px 0;border:1px solid var(--line);border-radius:14px}
table.cmp{border-collapse:collapse;width:100%;min-width:560px;font-size:14.5px}
table.cmp caption{caption-side:top;text-align:left;font-family:'Manrope',sans-serif;font-weight:800;font-size:15px;padding:14px 16px;background:#fff;border-bottom:1px solid var(--line)}
table.cmp th{background:var(--teal);color:#fff;text-align:left;padding:12px 16px;font-size:13.5px}
table.cmp td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top;color:#27323A}
table.cmp tr:nth-child(even) td{background:var(--tint)}
.svcrows{border:1px solid var(--line);border-radius:16px;overflow:hidden;margin-top:20px}
.svcrow{display:grid;grid-template-columns:56px 1fr auto;gap:18px;align-items:center;padding:20px 24px;border-bottom:1px solid var(--line);background:#fff}
.svcrow:last-child{border-bottom:none}
.svcrow:hover{background:var(--tint)}
.svcic{width:44px;height:44px;background:var(--tint2);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:20px}
.svcrow h3{font-size:18px;margin:0 0 4px}
.svcrow h3 a{color:var(--ink);text-decoration:none}
.svcrow h3 a:hover{color:var(--teal)}
.sec .wrap>p{max-width:820px}
.svcrow p{font-size:14.5px;color:var(--gray);line-height:1.55}
.svcrow a.go{color:var(--teal-d);font-weight:700;font-size:14px;text-decoration:none;white-space:nowrap}
.svcrow a.go:hover{text-decoration:underline}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:20px}
.whycard{background:#fff;border-radius:14px;padding:24px;text-align:center;border:1px solid var(--line)}
.whycard .num{width:44px;height:44px;background:var(--teal);color:#fff;border-radius:12px;display:flex;align-items:center;justify-content:center;font-family:'Manrope',sans-serif;font-weight:800;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:16.5px;margin:0 0 6px}
.whycard p{font-size:14px;color:var(--gray);line-height:1.55}
.insurepanel{background:var(--slate);color:#fff;border-radius:18px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin-top:18px}
.insurepanel h3{font-size:23px;margin:0 0 8px;color:#fff}
.insurepanel p{font-size:15px;color:#DCE3EA;max-width:560px}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:20px}
.areas a{background:#fff;border:1px solid var(--line);padding:16px;border-radius:12px;color:var(--ink);text-decoration:none;font-weight:700;font-size:15px;text-align:center}
.areas a:hover{background:var(--tint2);border-color:var(--teal)}
.faq{margin:10px 0}
.faq .qa{border-bottom:1px solid var(--line);padding:16px 0}
.faq h3{font-size:17px;margin:0 0 6px}
.faq p{font-size:15.5px;color:#34404A}
.ctaband{background:var(--slate);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:38px;margin-bottom:8px;color:#fff}
.ctaband p{font-size:17px;color:#DCE3EA;margin-bottom:24px}
.mapsec{background:var(--tint);padding:46px 0;border-top:1px solid var(--line)}
.mapsec h2{font-size:26px;margin-bottom:6px}
.mapsec p{color:var(--gray);margin-bottom:16px;font-size:15px}
.mapframe{width:100%;height:380px;border:0;border-radius:16px;display:block;background:#dfe9e8}
.mapframe.contact{height:420px}
.bloglist{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:18px}
.postcard{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;display:flex;flex-direction:column}
.postthumb{display:block;aspect-ratio:16/9;background:var(--tint)}
.postthumb img{display:block;width:100%;height:100%;object-fit:cover}
.postbody{padding:20px 22px 22px}
.postcard h3{font-size:18px;margin:0 0 8px}
.postcard h3 a{color:var(--ink);text-decoration:none}
.postcard h3 a:hover{color:var(--teal)}
.postcard p{font-size:14.5px;color:var(--gray);line-height:1.6}
.postmeta{font-size:13px;color:var(--gray);margin-bottom:10px}
.bylinebar{font-size:14px;color:var(--gray);margin:0 0 6px}
.pagehead.photo .bylinebar{color:#E4EEF0}
.errorbox{text-align:center;padding:90px 0}
.errorbox h1{font-size:44px;margin-bottom:12px}
.errorbox p{max-width:520px;margin:0 auto 24px}
/* footer */
.site-footer{background:var(--slate-d);color:#DCE3EA;padding:54px 0 40px;font-size:14.5px}
.site-footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:32px}
.site-footer h2.foot-h{color:#fff;font-size:16px;margin-bottom:12px}
.site-footer a{color:#DCE3EA;text-decoration:none;display:block;margin-bottom:8px}
.site-footer a:hover{color:#F5B56E}
.site-footer p{color:#DCE3EA;font-size:14.5px;line-height:1.6}
.site-footer p + p{margin-top:8px}
.footlogo{display:block;margin-bottom:14px}
.footlogo img{display:block;width:236px;height:48px}
.footbase{background:#232D38;color:#C5CED8;font-size:13px;padding:16px 0;text-align:center}
.footbase p{color:#C5CED8;font-size:13px}
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--teal);z-index:120;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:#fff;font-weight:700;font-size:16px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 12px 26px rgba(14,110,110,.4);z-index:110}
.floatcall:hover{background:var(--teal-d);color:#fff}
@media(max-width:900px){
.menubtn{display:inline-flex;align-items:center;justify-content:center}
.mainnav{display:none}
.stickybar{display:block}
.floatcall{display:none}
body{padding-bottom:64px}
.hero .wrap,.twocol,.boxgrid,.insurepanel,.pagehead .wrap{grid-template-columns:minmax(0,1fr)}
.why,.cards3,.steps,.areas{grid-template-columns:1fr 1fr}
.steps:before{display:none}
.step{padding:10px 8px 18px}
.prep,.bloglist{grid-template-columns:1fr}
.svcrow{grid-template-columns:1fr;gap:8px}
.hero h1{font-size:34px}
.pagehead h1{font-size:30px}
.sec h2,.article h2{font-size:27px}
.site-footer .wrap{grid-template-columns:1fr 1fr}
.sidecard{position:static}
.herocall{min-width:0}
.ctaband h2{font-size:30px}
.sec{padding:52px 0}
}
@media(max-width:520px){
.why,.cards3,.steps,.areas,.site-footer .wrap{grid-template-columns:1fr}
.logo img,.footlogo img{width:200px;height:41px}
.wrap{padding:0 18px}
.topbar .wrap{justify-content:center;text-align:center}
.hero{padding:48px 0}
.hero h1{font-size:30px}
.btn{width:100%}
.btn.sm{width:auto}
.midcta .btn,.emergency .btn,.insurepanel .btn{width:100%}
}
@media print{.stickybar,.floatcall,.mapsec{display:none}}