:root{
  --teal:#0E6E6E;--teal-d:#0A5252;--teal-l:#EAF6F6;--slate:#3D4B5C;--slate-d:#26313D;
  --amber:#E8933A;--amber-d:#C97A22;--ink:#1B2226;--gray:#4E5865;--line:#DDE6E5;--tint:#F0F7F7;--white:#fff;
  --font-head:'Manrope',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  --font-body:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;
  --container:1180px;--radius:14px;--shadow:0 1px 2px rgba(27,34,38,.06),0 8px 24px rgba(27,34,38,.06);
  --shadow-lg:0 12px 36px rgba(27,34,38,.12);--trans:.2s ease;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font-body);font-size:16.5px;line-height:1.7;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.02em;line-height:1.18;margin:0;color:var(--ink)}
h1{font-size:clamp(1.9rem,4.4vw,3rem)}
h2{font-size:clamp(1.45rem,3vw,2.1rem)}
h3{font-size:clamp(1.1rem,2vw,1.35rem)}
p{margin:0}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-d)}
a:hover{color:var(--teal)}
ul,ol{margin:0;padding:0}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--amber);color:var(--ink);padding:10px 16px;z-index:10000;font-weight:700}
.skip-link:focus{left:8px;top:8px}
.wrap{max-width:var(--container);margin:0 auto;padding:0 24px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--teal);color:#fff;font-family:var(--font-head);font-weight:800;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:10px;border:2px solid var(--teal);transition:background var(--trans),transform var(--trans);line-height:1.2;min-height:48px}
.btn:hover{background:var(--teal-d);border-color:var(--teal-d);color:#fff;transform:translateY(-1px)}
.btn.amber{background:var(--amber);border-color:var(--amber);color:var(--ink)}
.btn.amber:hover{background:#F2A558;border-color:#F2A558;color:var(--ink)}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn.ghost:hover{background:rgba(255,255,255,.14);color:#fff}
.btn.outline{background:#fff;color:var(--teal-d);border-color:var(--teal)}
.btn.outline:hover{background:var(--teal-l);color:var(--teal-d)}
.btn.block{display:flex;width:100%}
/* topbar + nav */
.topbar{background:var(--slate-d);color:#D5DCE3;font-size:13.5px;padding:8px 0}
.topbar-inner{display:flex;justify-content:space-between;gap:16px;align-items:center}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar a:hover{color:var(--amber)}
.topbar-place{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
nav.main-nav{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:200}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:76px}
.logo{display:flex;align-items:center;flex-shrink:1;min-width:0;text-decoration:none}
.logo img{width:auto;height:46px}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links>li>a,.nav-links>li>button.navbtn{display:flex;align-items:center;gap:6px;color:var(--ink);font-family:var(--font-head);font-weight:700;font-size:15px;text-decoration:none;padding:10px 12px;border-radius:8px;background:none;border:0;cursor:pointer}
.nav-links>li>a:hover,.nav-links>li>button.navbtn:hover,.has-dropdown:focus-within>button.navbtn{color:var(--teal);background:var(--tint)}
.nav-links .nav-cta{background:var(--amber);color:var(--ink);padding:11px 18px;margin-left:6px}
.nav-links .nav-cta:hover{background:#F2A558;color:var(--ink)}
.has-dropdown{position:relative}
.dropdown{position:absolute;top:100%;left:0;min-width:240px;padding:8px;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity var(--trans),visibility var(--trans),transform var(--trans);z-index:1000}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:block;padding:8px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:14.5px;font-weight:600;white-space:nowrap}
.dropdown a:hover{background:var(--tint);color:var(--teal)}
.dropdown.mega{left:50%;margin-left:-300px;width:660px;display:grid;grid-template-columns:repeat(3,1fr);gap:4px 18px;padding:18px 20px}
.dropdown.mega .mg-title{font-family:var(--font-head);font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-d);padding:6px 12px 2px;display:block}
.dropdown.mega .mg-group{list-style:none}
.dropdown.mega .mg-all{grid-column:1/-1;border-top:1px solid var(--line);margin-top:6px;padding-top:8px}
.dropdown.mega .mg-all a{color:var(--teal-d);font-weight:800}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:46px;min-height:46px;background:none;border:1px solid var(--line);border-radius:10px;cursor:pointer;padding:8px}
.hamburger span{display:block;width:22px;height:2px;background:var(--ink);border-radius:2px;transition:transform var(--trans),opacity var(--trans)}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(340px,88vw);background:#fff;z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:20px 22px 30px;visibility:hidden}
.mob-drawer:not([hidden]){transform:translateX(0);visibility:visible}
.mob-drawer[hidden]{display:block;transform:translateX(100%);visibility:hidden}
.drawer-close{display:block;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;width:44px;height:44px;font-size:20px;cursor:pointer;color:var(--ink)}
.mob-drawer ul{list-style:none;margin:14px 0 0}
.mob-drawer li a,.mob-drawer .dgroup-btn{display:flex;justify-content:space-between;align-items:center;width:100%;padding:13px 0;font-family:var(--font-head);font-size:16.5px;font-weight:700;color:var(--ink);text-decoration:none;border:0;border-bottom:1px solid var(--line);background:none;cursor:pointer;text-align:left}
.dgroup-list{display:none;padding:4px 0 8px 12px}
.dgroup-list.open{display:block}
.dgroup-list a{font-size:15px;font-weight:600;padding:9px 0;border-bottom:0}
.dgroup-list .dg-title{font-size:11.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-d);padding:10px 0 2px;display:block}
.mob-drawer .drawer-cta{margin-top:18px;background:var(--amber);color:var(--ink);justify-content:center;border-radius:10px;border:0;padding:14px;font-weight:800}
.mob-overlay{position:fixed;inset:0;background:rgba(15,22,28,.55);z-index:9998;opacity:0;visibility:hidden;transition:opacity var(--trans),visibility var(--trans)}
.mob-overlay.visible{opacity:1;visibility:visible}
/* hero (home) */
.hero{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,#093F3F 0%,#0E6E6E 52%,#2B4A59 100%);padding:76px 0 70px;overflow:hidden}
.hero:after{content:"";position:absolute;right:-120px;top:-120px;width:460px;height:460px;border-radius:50%;background:radial-gradient(circle,rgba(232,147,58,.28),rgba(232,147,58,0) 70%);z-index:-1}
.hero .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(9,40,44,.9),rgba(9,40,44,.55));z-index:-1}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.hero h1{color:#fff;margin:14px 0 16px}
.hero h1 span{color:#FFC98A}
.hero .lede{font-size:18px;color:#E6F1F1;max-width:540px;margin-bottom:26px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 22px;flex-wrap:wrap;list-style:none;color:#E6F1F1;font-size:14px;font-weight:600}
.trustrow li:before{content:"\2713\00a0";color:#FFC98A}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.35);color:#fff;font-weight:700;font-size:13px;padding:7px 14px;border-radius:100px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:#6EE7B7;box-shadow:0 0 0 4px rgba(110,231,183,.25)}
.badge-alt{background:var(--amber);border-color:var(--amber);color:var(--ink)}
.badge-alt:before{background:var(--ink);box-shadow:none}
.dispatch-card{background:#fff;color:var(--ink);border-radius:20px;padding:26px;box-shadow:var(--shadow-lg)}
.dispatch-card h2{font-size:15px;color:var(--gray);text-transform:uppercase;letter-spacing:.08em;margin-bottom:6px}
.dispatch-card .dnum{font-family:var(--font-head);font-weight:800;font-size:30px;color:var(--teal-d);margin-bottom:12px;display:block;text-decoration:none}
.dispatch-card ul{list-style:none;margin:0 0 16px}
.dispatch-card li{display:flex;justify-content:space-between;gap:14px;padding:10px 0;border-top:1px solid var(--line);font-size:14.5px}
.dispatch-card li b{font-family:var(--font-head);color:var(--teal-d);text-align:right}
/* strips */
.strip{background:var(--tint);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;gap:12px 24px;padding:16px 24px;flex-wrap:wrap}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px;color:var(--slate-d)}
.stripitem svg{width:20px;height:20px;flex:none;color:var(--teal)}
.emergency{background:var(--teal);color:#fff;padding:24px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px}
.emergency h2{font-size:22px;color:#fff}
.emergency p{font-size:15px;color:#DDEEEE;margin-top:2px}
/* sections */
.sec{padding:clamp(3rem,6vw,5rem) 0;background:#fff}
.sec.tint{background:var(--tint)}
.kick{color:var(--teal-d);font-family:var(--font-head);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase;display:block;margin-bottom:8px}
.sec-head{max-width:760px;margin-bottom:34px}
.sec-head p{color:var(--gray);margin-top:12px}
.svc-groups{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.svc-group{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.svc-group h3{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.svc-group h3 .gic{width:38px;height:38px;border-radius:10px;background:var(--teal-l);color:var(--teal);display:flex;align-items:center;justify-content:center;flex:none}
.svc-group h3 .gic svg{width:20px;height:20px}
.svc-group ul{list-style:none}
.svc-group li a{display:flex;justify-content:space-between;gap:10px;padding:8px 0;border-top:1px solid var(--line);text-decoration:none;font-weight:600;font-size:15px;color:var(--ink)}
.svc-group li a:after{content:"\2192";color:var(--teal)}
.svc-group li a:hover{color:var(--teal)}
.svc-group .svc-note{font-size:14px;color:var(--gray);margin-bottom:8px}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.whycard .num{width:42px;height:42px;background:var(--teal);color:#fff;border-radius:12px;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:800;margin-bottom:14px}
.whycard h3{margin-bottom:6px;font-size:17px}
.whycard p{font-size:14.5px;color:var(--gray)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:st;list-style:none;margin:6px 0 0}
.step{background:var(--tint);border:1px solid var(--line);border-radius:var(--radius);padding:20px 18px;position:relative}
.step .n{width:38px;height:38px;border-radius:50%;background:var(--amber);color:var(--ink);font-family:var(--font-head);font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.step h3{font-size:16.5px;margin-bottom:5px}
.step p{font-size:14.5px;color:var(--gray)}
.insurepanel{background:var(--slate);color:#fff;border-radius:20px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:26px;align-items:center}
.insurepanel h3{color:#fff;font-size:23px;margin-bottom:8px}
.insurepanel p{color:#D5DCE3;max-width:640px;font-size:15.5px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.areas a{background:#fff;border:1px solid var(--line);padding:14px;border-radius:12px;color:var(--ink);text-decoration:none;font-family:var(--font-head);font-weight:700;font-size:15px;text-align:center;display:block}
.areas a span{display:block;font-family:var(--font-body);font-weight:500;color:var(--gray);font-size:13px}
.areas a:hover{border-color:var(--teal);color:var(--teal)}
/* page head */
.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,#0A4848 0%,#0E6E6E 55%,#33505F 100%);padding:54px 0}
.pagehead .hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.pagehead.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(95deg,rgba(8,34,38,.92) 10%,rgba(8,34,38,.6));z-index:-1}
.pagehead-grid{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center}
.crumb{font-size:13.5px;color:#D3E6E6;margin-bottom:14px}
.crumb a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.pagehead h1{color:#fff;margin-bottom:12px;max-width:820px}
.pagehead .sub{color:#E6F1F1;max-width:720px;font-size:17.5px}
.chips{display:flex;gap:9px;margin-top:18px;flex-wrap:wrap;list-style:none}
.chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.35);color:#fff;font-size:13px;font-weight:700;padding:6px 13px;border-radius:100px}
.chip:before{content:"\2713\00a0"}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:16px;align-items:center;list-style:none}
.zip-label{font-size:13px;font-weight:700;color:#D3E6E6;margin-right:2px}
.zip-chip{background:#fff;color:var(--teal-d);border-radius:100px;padding:5px 13px;font-weight:800;font-size:13.5px;font-family:var(--font-head)}
.herocall{background:#fff;color:var(--ink);border-radius:18px;padding:22px;text-align:center;min-width:260px;box-shadow:var(--shadow-lg)}
.herocall .lbl{color:var(--gray);font-size:12px;text-transform:uppercase;letter-spacing:.09em;font-weight:800;font-family:var(--font-head)}
.herocall .num{font-family:var(--font-head);font-weight:800;font-size:26px;color:var(--teal-d);margin:4px 0 12px}
/* article layout */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:36px;align-items:start}
article.prose{display:grid;gap:22px;min-width:0}
.panel{background:#fff;border:1px solid var(--line);border-radius:18px;padding:34px 38px;box-shadow:var(--shadow)}
.panel h2{margin-bottom:14px}
.panel h3{margin:22px 0 8px}
main p+p{margin-top:14px}
main h2+p{margin-top:0}
.panel ul.list,.panel ol.list{margin:14px 0 0 1.2rem}
.panel ul.list li,.panel ol.list li{margin-top:8px;padding-left:4px}
.panel ul.list li::marker{color:var(--teal)}
.panel p a,.panel li a,.faq-answer a{text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}
.note{background:var(--tint);border:1px solid var(--line);border-radius:18px;padding:30px 36px 30px 40px;position:relative}
.note:before{content:"";position:absolute;top:20px;bottom:20px;left:0;width:5px;border-radius:0 4px 4px 0;background:var(--teal)}
.note h2,.note h3{margin-bottom:10px}
.note h3{font-size:19px}
.callout-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px 36px 30px 42px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.callout-card:before{content:"";position:absolute;top:0;left:0;bottom:0;width:6px;background:linear-gradient(180deg,var(--amber),var(--teal))}
.callout-card h2,.callout-card h3{margin-bottom:14px}
.callout-card h3{font-size:19px}
.icon-list{list-style:none;display:grid;gap:12px}
.icon-list li{display:flex;gap:12px;align-items:flex-start}
.icon-list .ico{flex:none;width:26px;height:26px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:14px;margin-top:2px}
.prepgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.prepcard{background:var(--tint);border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.prepcard h3{margin:0 0 6px;font-size:16.5px}
.prepcard p{font-size:15px;color:var(--gray)}
.table-wrap{overflow-x:auto;margin-top:16px;border:1px solid var(--line);border-radius:12px}
table.tbl{width:100%;border-collapse:collapse;font-size:15px;min-width:520px}
table.tbl caption{text-align:left;font-family:var(--font-head);font-weight:800;padding:12px 16px;background:var(--tint);border-bottom:1px solid var(--line)}
table.tbl th{background:var(--teal);color:#fff;text-align:left;padding:11px 16px;font-family:var(--font-head);font-size:14px}
table.tbl td{padding:11px 16px;border-top:1px solid var(--line);vertical-align:top}
table.tbl tr:nth-child(even) td{background:#FAFCFC}
.midcta{background:var(--amber);border-radius:18px;color:var(--ink);padding:26px 32px;display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.midcta h2,.midcta h3{font-size:22px;color:var(--ink);margin:0}
.midcta p{font-size:15px;margin-top:4px;color:#2B2316}
.midcta .btn{background:var(--slate-d);border-color:var(--slate-d);color:#fff}
.midcta .btn:hover{background:#0F161C;border-color:#0F161C}
.localnote{background:#FFF8EE;border:1px solid #F2DDBA;border-radius:18px;padding:28px 34px}
.localnote h2{margin-bottom:12px;font-size:clamp(1.3rem,2.6vw,1.7rem)}
.localnote .kick{color:#8A4F0A}
/* faq */
.faq-wrap h2{margin-bottom:6px}
.faq-item{border-top:1px solid var(--line)}
.faq-item:first-of-type{margin-top:12px}
.faq-q{display:flex;justify-content:space-between;align-items:center;gap:16px;width:100%;text-align:left;background:none;border:0;padding:16px 0;font-family:var(--font-head);font-weight:700;font-size:17px;color:var(--ink);cursor:pointer;line-height:1.35}
.faq-q:after{content:"+";font-size:24px;color:var(--teal);flex:none;line-height:1}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-answer{overflow:hidden}
.faq-answer .faq-in{padding:0 0 18px;color:var(--gray)}
.js .faq-answer{max-height:0;transition:max-height .3s ease}
.js .faq-item.open .faq-answer{max-height:1400px}
/* sidecard */
.sidecard{background:var(--slate);color:#fff;border-radius:18px;padding:26px;position:sticky;top:24px;align-self:start;box-shadow:var(--shadow-lg)}
.sidecard .kick{color:#FFC98A;font-size:12px}
.sidecard h3{color:#fff;font-size:20px;margin-bottom:8px}
.sidecard p{color:#D5DCE3;font-size:14.5px;margin-bottom:16px}
.sidecard ul{list-style:none;margin-top:16px;border-top:1px solid #566476;padding-top:12px}
.sidecard li{font-size:14.5px;padding:5px 0 5px 22px;position:relative}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--amber);font-weight:800}
.sidecard .sidelink{display:block;margin-top:14px;padding-top:12px;border-top:1px solid #566476;font-size:14.5px;color:#fff;font-weight:700}
.sidecard .sidelink:hover{color:var(--amber)}
.ctaband{background:var(--slate);color:#fff;padding:58px 0;text-align:center}
.ctaband h2{color:#fff;font-size:clamp(1.6rem,3.6vw,2.5rem);margin-bottom:8px}
.ctaband p{font-size:17px;color:#D5DCE3;margin:0 auto 24px;max-width:640px}
.map-sec{padding:0;background:#fff}
.map-sec .wrap{padding-top:44px;padding-bottom:48px}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:18px;overflow:hidden;border:1px solid var(--line);background:var(--tint)}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-sec h2{font-size:clamp(1.3rem,2.6vw,1.8rem);margin-bottom:6px}
.map-sec p.mapnote{color:var(--gray);margin-bottom:16px;font-size:15px}
.map-local{margin-top:22px}
.mapcol{margin-top:22px}
/* blog cards */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.blog-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.blog-card img{width:100%;aspect-ratio:16/9;object-fit:cover}
.blog-card .bc-body{padding:18px 20px 22px;display:flex;flex-direction:column;gap:8px;flex:1}
.blog-card .bc-tag{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.08em;color:var(--teal-d);font-family:var(--font-head)}
.blog-card h3{font-size:17.5px}
.blog-card h3 a{color:var(--ink);text-decoration:none}
.blog-card h3 a:hover{color:var(--teal)}
.blog-card p{font-size:14.5px;color:var(--gray)}
.byline{font-size:14px;color:#D3E6E6;margin-top:14px}
.hub-list{list-style:none;display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:16px}
.hub-list li{background:var(--tint);border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.hub-list a{font-family:var(--font-head);font-weight:800;color:var(--teal-d)}
.hub-list p{font-size:14.5px;color:var(--gray);margin-top:4px}
/* footer */
footer.site-footer{background:var(--slate-d);color:#C9D2DA;padding:54px 0 26px;font-size:14.5px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:34px}
.footer-heading{font-family:var(--font-head);font-weight:800;color:#fff;font-size:15px;margin-bottom:12px;letter-spacing:.02em}
.site-footer a{color:#C9D2DA;text-decoration:none;display:block;padding:4px 0}
.site-footer a:hover{color:var(--amber)}
.site-footer .f-logo{display:inline-block;margin-bottom:14px;padding:0}
.site-footer .f-logo img{height:44px;width:auto}
.site-footer address{font-style:normal;line-height:1.7}
.site-footer .f-tel{font-family:var(--font-head);font-weight:800;color:#fff;font-size:18px}
.f-svc{columns:2;column-gap:20px}
.f-svc a{break-inside:avoid;font-size:14px}
.f-sub{font-size:12px;letter-spacing:.07em;text-transform:uppercase;color:#8FA0B0;margin:10px 0 2px;font-weight:700;break-after:avoid}
.footer-bottom{border-top:1px solid #435263;margin-top:34px;padding-top:18px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:13.5px;color:#9FB0BF}
.footer-legal a{display:inline-block;margin-left:16px}
.mobile-cta-bar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--amber);z-index:50;padding:10px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.mobile-cta-bar a{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--ink);font-family:var(--font-head);font-weight:800;font-size:16px;text-decoration:none;min-height:44px}
.callfab{position:fixed;right:22px;bottom:24px;z-index:60;width:58px;height:58px;border-radius:50%;background:var(--amber);color:var(--ink);display:flex;align-items:center;justify-content:center;box-shadow:var(--shadow-lg);text-decoration:none}
.callfab svg{width:26px;height:26px}
.callfab:hover{background:#F2A558;color:var(--ink)}
.notfound{text-align:center;padding:90px 0}
.notfound p{color:var(--gray);margin:12px auto 24px;max-width:520px}
.legal h2{font-size:22px;margin:26px 0 8px}
@media(max-width:1100px){.dropdown.mega{margin-left:-420px}.nav-links>li>a,.nav-links>li>button.navbtn{padding:10px 8px;font-size:14.5px}}
@media(max-width:1000px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:900px){
  .hero-grid,.twocol,.insurepanel,.pagehead-grid{grid-template-columns:minmax(0,1fr)}
  .svc-groups,.blog-grid{grid-template-columns:1fr 1fr}
  .why,.steps{grid-template-columns:1fr 1fr}
  .areas{grid-template-columns:repeat(3,1fr)}
  .sidecard{position:static}
  .herocall{min-width:0}
}
@media(max-width:768px){
  .nav-links{display:none}
  .hamburger{display:flex}
  body{padding-bottom:68px}
  .mobile-cta-bar{display:block}
  .callfab{display:none}
  .logo img{height:40px}
  .topbar-place{display:none}
  .topbar-inner{justify-content:center}
  .hero{padding:48px 0 44px}
  .panel,.note,.callout-card,.localnote{padding:26px 22px}
  .note,.callout-card{padding-left:28px}
}
@media(max-width:600px){
  .svc-groups,.blog-grid,.why,.steps,.prepgrid,.hub-list,.areas{grid-template-columns:1fr}
  .areas{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr}
  .wrap{padding:0 16px}
  .midcta{padding:24px 22px}
  .f-svc{columns:1}
  .footer-legal a{margin:0 14px 0 0}
  .map-wrap{padding-bottom:75%}
}
.faq-h{font-size:inherit;margin:0;line-height:inherit}
.mg-list{list-style:none;margin:0;padding:0}
.dropdown li{list-style:none}
.hero-note{font-size:14px;color:#D3E6E6;margin-top:14px}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.tag-line{font-size:13px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--teal-d);font-family:var(--font-head)}
.sec-center{text-align:center}
.faq-close{margin-top:22px}
.small-print{font-size:14px;color:var(--gray)}
.hub-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow)}
.hub-card h3{margin-bottom:8px}
.hub-card ul{list-style:none}
.hub-card li{padding:6px 0;border-top:1px solid var(--line)}
.hub-card li:first-child{border-top:0}
.hub-card a{font-weight:700;text-decoration:none;color:var(--ink)}
.hub-card a:hover{color:var(--teal)}
.hub-card p{font-size:14.5px;color:var(--gray);margin-top:3px}
.hub-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:6px}
.contact-card{background:var(--tint);border:1px solid var(--line);border-radius:14px;padding:20px}
.contact-card h3{font-size:16px;margin-bottom:6px}
.contact-card p{font-size:15px;color:var(--ink)}
@media(max-width:900px){.hub-grid,.contact-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.hub-grid,.contact-grid{grid-template-columns:1fr}}
.ctaband p.ctaline{font-size:16px;margin:18px auto 0}
.ctaband p.ctaline a{color:#fff;font-weight:700;text-decoration:underline}
.twocol>*,.prose,.panel{min-width:0}
.table-wrap{max-width:100%;overflow-x:auto}
.nb-h{margin:32px 0 6px;text-align:center}.nb-p{text-align:center;color:var(--gray);margin-bottom:16px}
.areas.nb{grid-template-columns:repeat(2,minmax(0,230px));justify-content:center}@media(max-width:560px){.areas.nb{grid-template-columns:1fr 1fr}}