:root{
  --slate-900:#1E2833;--slate-800:#2C3D4D;--slate-600:#3F5468;--slate-300:#B7C1CA;
  --line:#DEE5EB;--mist:#F2F5F7;--muted:#5A6672;
  --citrus:#F2860E;--citrus-deep:#B45309;--citrus-darker:#9A4608;
  --white:#fff;--radius:14px;--wrap:1180px;
  --font-body:'Inter',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
  --font-head:'Manrope','Inter',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(--font-body);font-size:16px;color:var(--slate-900);background:var(--white);line-height:1.68}
img,svg,iframe{max-width:100%}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2}
a{color:var(--slate-600)}
a:hover{color:var(--citrus-darker)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--slate-800);color:#fff;padding:10px 16px;z-index:200;border-radius:0 0 8px 0}
.skip:focus{left:0}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--citrus-deep);color:#fff;font-weight:700;font-size:16px;padding:14px 26px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(180,83,9,.28);border:2px solid transparent;font-family:var(--font-body);line-height:1.2}
.btn:hover{background:var(--citrus-darker);color:#fff}
.btn.alt{background:var(--slate-600);box-shadow:0 10px 22px rgba(63,84,104,.28)}
.btn.alt:hover{background:var(--slate-800);color:#fff}
.btn.ghost{background:#fff;color:var(--slate-900);border-color:var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--slate-600);color:var(--slate-900)}
.btn.onlight{background:#fff;color:var(--slate-800);box-shadow:none}
.btn.onlight:hover{background:var(--mist);color:var(--slate-800)}
.btn.small{font-size:14px;padding:11px 20px}
.btn svg{flex:none}

/* topbar and nav */
.topbar{background:var(--slate-800);color:var(--slate-300);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 a:hover{color:var(--citrus)}
.topbar b{color:var(--citrus)}
.sitenav{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.sitenav .nav-inner{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;text-decoration:none;flex:none}
.logo img{display:block;height:46px;width:auto}
.nav-links{display:flex;align-items:center;gap:6px}
.nav-links>li{list-style:none;position:relative}
.nav-links ul,.nav-links{list-style:none}
.nav-links a.navlink,.nav-links button.navlink{display:inline-flex;align-items:center;gap:5px;color:var(--slate-900);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;border-radius:8px;background:none;border:0;cursor:pointer;font-family:var(--font-body)}
.nav-links a.navlink:hover,.nav-links button.navlink:hover,.nav-links li:focus-within>.navlink{color:var(--citrus-darker);background:var(--mist)}
.nav-links .dd-arrow{font-size:10px}
.dropdown{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(30,40,51,.14);padding:8px;z-index:80;list-style:none}
.dropdown li{list-style:none}
.dropdown a{display:block;padding:9px 12px;color:var(--slate-900);text-decoration:none;font-weight:600;font-size:14px;border-radius:8px}
.dropdown a:hover{background:var(--mist);color:var(--citrus-darker)}
.dropdown .dropall a{color:var(--slate-600);border-top:1px solid var(--line);border-radius:0 0 8px 8px;margin-top:4px;padding-top:12px}
.has-dropdown:hover>.dropdown,.has-dropdown:focus-within>.dropdown{display:block}
.navcall{margin-left:8px}
.hamburger{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;color:var(--slate-900)}

/* hero + pagehead */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,var(--slate-800) 0%,var(--slate-600) 100%);overflow:hidden}
.hero:after,.pagehead:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(242,134,14,.22) 0%,rgba(242,134,14,0) 70%);z-index:-1}
.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(100deg,rgba(30,40,51,.92) 0%,rgba(30,40,51,.78) 55%,rgba(30,40,51,.6) 100%)}
.hero{padding:70px 0}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;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}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--citrus)}
.badge.badge-alt{background:#fff;color:var(--slate-800)}
.hero h1{font-size:clamp(30px,4.2vw,44px);line-height:1.12;margin-bottom:16px;color:#fff}
.hero h1 span{color:#FFC27A}
.hero .lede{color:#E6ECF1;font-size:17.5px;max-width:520px;margin-bottom:24px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 18px;flex-wrap:wrap;color:#E6ECF1;font-size:13.5px;font-weight:600;list-style:none}
.trustrow li{list-style:none}
.trustrow li:before{content:"\2713\00a0";color:#FFC27A}
.statpanel{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);color:#fff;border-radius:var(--radius);padding:26px 28px}
.panel-title{font-family:var(--font-head);font-weight:700;font-size:15px;color:#D5DEE6;margin-bottom:12px;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,.16);font-size:14.5px}
.strow:last-child{border-bottom:none}
.strow b{color:#FFC27A;font-family:var(--font-head);font-size:16px;text-align:right}
.pagehead{padding:48px 0 44px}
.pagehead .wrap{position:relative}
.crumbs{font-size:13px;color:#D5DEE6;margin-bottom:14px}
.crumbs a{color:#fff;text-decoration:none;font-weight:600}
.crumbs a:hover{text-decoration:underline;color:#fff}
.pagehead h1{font-size:clamp(27px,3.6vw,38px);line-height:1.15;max-width:860px;margin-bottom:12px;color:#fff}
.pagehead .lede{font-size:17.5px;color:#E6ECF1;max-width:780px;margin-bottom:18px}
.pagehead .meta{font-size:13.5px;color:#D5DEE6}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:4px 0 6px}
.zip-chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.35);color:#fff;font-weight:700;font-size:13.5px;padding:4px 12px;border-radius:100px}
.zip-chip.primary{background:#fff;color:var(--slate-800);border-color:#fff}
.pagehead .cta-row{margin:18px 0 0}

/* strips and bands */
.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:14px}
.stripitem svg{color:var(--slate-600);flex:none}
.emergency{background:var(--citrus-deep);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;color:#fff}
.emergency p{font-size:14.5px;color:#FFF1E4}
.emergency .btn{background:var(--slate-800);box-shadow:none}
.emergency .btn:hover{background:var(--slate-900)}
.ctaband{background:var(--slate-800);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:34px;margin-bottom:10px;color:#fff}
.ctaband p{font-size:17px;margin:0 auto 24px;color:var(--slate-300);max-width:680px}

/* sections */
.sec{padding:70px 0;background:#fff}
.sec.tint{background:var(--mist)}
.kick{color:var(--slate-800);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2{font-size:32px;margin:10px 0 22px}
.sec h3{font-size:21px;margin:26px 0 10px}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul.bullets,main ol.bullets{margin:14px 0 4px 22px}
main ul.bullets li,main ol.bullets li{margin-bottom:8px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.twocol article{min-width:0}
.twocol article>section+section{margin-top:44px}
main p,main li,.footbar,.sitefooter p,.sitefooter a{overflow-wrap:anywhere}
.twocol article h2{font-size:29px;margin:0 0 16px}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--slate-800);color:#fff;border-radius:16px;padding:26px 24px;box-shadow:0 18px 40px rgba(30,40,51,.18)}
.sidecard .sc-kick{font-size:12px;letter-spacing:.1em;text-transform:uppercase;font-weight:800;color:#FFC27A;margin-bottom:8px}
.sidecard h3{font-size:21px;margin:0 0 8px;color:#fff}
.sidecard p{font-size:14.5px;color:var(--slate-300);margin:0 0 16px}
.sidecard .btn{width:100%;justify-content:center}
.sidecard ul{list-style:none;margin:18px 0 14px}
.sidecard li{list-style:none;font-size:14px;padding:6px 0 6px 24px;position:relative;color:#E6ECF1}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:#FFC27A;font-weight:800}
.sidecard .sc-link{font-size:14px;margin:0;border-top:1px solid rgba(255,255,255,.18);padding-top:14px}
.sidecard .sc-link a{color:#fff;font-weight:700}
.sidecard .sc-link a:hover{color:#FFC27A}

/* components */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.tint .card{background:#fff}
.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(--slate-600)}
.card h3,.card h2{font-size:18px;margin:0 0 8px}
.card p{font-size:14.5px;color:var(--muted);margin:0 0 10px}
.card p+p{margin-top:8px}
.card a.more{color:var(--slate-600);font-weight:700;font-size:14px;text-decoration:none}
.card a.more:hover{color:var(--citrus-darker);text-decoration:underline}
.cards.two{grid-template-columns:repeat(2,1fr)}
.cards.four{grid-template-columns:repeat(4,1fr)}
.cards.prep .card{border-top:4px solid var(--citrus-deep)}
.cards.overview .card{background:var(--mist);border:0}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--radius);padding:24px;text-align:center;border:1px solid var(--line)}
.whycard .num{width:44px;height:44px;background:var(--slate-600);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;margin:0 0 6px}
.whycard p{font-size:14.5px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.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(--citrus-deep);color:#fff;font-family:var(--font-head);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:0 0 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 6px;background:#fff}
.tablewrap table{width:100%;border-collapse:collapse;min-width:520px}
.tablewrap th{background:var(--slate-800);color:#fff;text-align:left;font-size:12.5px;text-transform:uppercase;letter-spacing:.04em;padding:14px 18px}
.tablewrap td{padding:14px 18px;font-size:14.5px;border-top:1px solid var(--line);vertical-align:top}
.tablewrap td:first-child{font-weight:700;color:var(--slate-800)}
.tablenote{font-size:13.5px;color:var(--muted);margin-top:10px;font-style:italic}
.insurepanel{background:var(--slate-800);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:0 0 8px;color:#FFC27A}
.insurepanel p{font-size:15px;color:var(--slate-300);max-width:620px}
.callout{background:var(--mist);border:1px solid var(--line);border-left:5px solid var(--citrus-deep);border-radius:12px;padding:20px 22px;margin:22px 0}
.callout h3{font-size:18px;margin:0 0 6px}
.callout p{font-size:15px;color:var(--slate-900);margin:0 0 12px}
.callout p:last-child{margin-bottom:0}
.callout.safety{border-left-color:#B42318;background:#FFF5F3}
.localnote{background:var(--mist);border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;margin:30px 0}
.localnote h2{font-size:23px;margin:0 0 12px}
.localnote .sc-label{font-size:12px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--citrus-deep);margin-bottom:6px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px}
.areas a{background:#fff;border:1px solid var(--line);padding:13px 14px;border-radius:10px;color:var(--slate-900);text-decoration:none;font-weight:700;font-size:14px;text-align:center}
.areas a:hover{border-color:var(--slate-600);color:var(--citrus-darker)}
.faq{margin-top:10px}
.faq-item{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:10px;overflow:hidden}
.faq-item summary{cursor:pointer;padding:16px 20px;font-weight:700;font-family:var(--font-head);font-size:16.5px;list-style:none;display:flex;justify-content:space-between;gap:14px;align-items:center}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary:after{content:"+";font-size:22px;color:var(--citrus-deep);flex:none;line-height:1}
.faq-item[open] summary:after{content:"\2212"}
.faq-item .faq-a{padding:0 20px 18px;color:var(--slate-900)}
.faq-item .faq-a p+p{margin-top:12px}
.mapsec{background:#fff;padding:56px 0 64px;border-top:1px solid var(--line)}
.mapsec h2{font-size:26px;margin:8px 0 8px}
.mapsec p{color:var(--muted);margin-bottom:18px;max-width:760px}
.mapframe{border:0;width:100%;height:380px;border-radius:var(--radius);background:var(--mist);display:block}
.mapframe.loc{height:340px}
.bloglist{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.blogcard .bc-top{height:8px;background:linear-gradient(90deg,var(--slate-800),var(--citrus-deep))}
.blogcard .bc-body{padding:22px;display:flex;flex-direction:column;flex:1}
.blogcard h2{font-size:18px;margin:0 0 8px}
.blogcard h2 a{color:var(--slate-900);text-decoration:none}
.blogcard h2 a:hover{color:var(--citrus-darker)}
.blogcard p{font-size:14.5px;color:var(--muted);margin:0 0 12px;flex:1}
.byline{font-size:13.5px;color:var(--muted);margin-bottom:6px}
.prose-narrow{max-width:820px}

/* footer */
.sitefooter{background:#fff;border-top:1px solid var(--line);padding:54px 0 36px;font-size:14.5px}
.sitefooter .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:32px}
.footh{font-family:var(--font-head);font-weight:800;color:var(--slate-900);font-size:16px;margin-bottom:12px}
.sitefooter a{color:var(--muted);text-decoration:none;display:block;margin-bottom:8px}
.sitefooter a:hover{color:var(--citrus-darker)}
.sitefooter p{color:var(--muted)}
.sitefooter p+p{margin-top:10px}
.sitefooter .foot-logo{display:inline-block;margin-bottom:12px}
.sitefooter .foot-logo img{height:46px;width:auto;display:block}
.footbar{background:#fff;border-top:1px solid var(--line);padding:18px 0 26px;font-size:13px;color:var(--muted)}
.footbar .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
.footbar a{color:var(--muted)}
.sticky-cta,.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--slate-800);z-index:90;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:24px;width:56px;height:56px;border-radius:50%;background:var(--citrus-deep);color:#fff;display:flex;align-items:center;justify-content:center;z-index:70;box-shadow:0 10px 24px rgba(180,83,9,.4);text-decoration:none}
.floatcall:hover{background:var(--citrus-darker);color:#fff}
.notfound{text-align:center;padding:90px 0}
.notfound h1{font-size:clamp(30px,4.2vw,44px);margin-bottom:12px}
.notfound p{color:var(--muted);margin-bottom:22px}

@media(max-width:1100px){
  .nav-links a.navlink,.nav-links button.navlink{padding:10px 8px;font-size:14px}
}
@media(max-width:900px){
  .hamburger{display:inline-flex}
  .sitenav .wrap{height:70px}
  .nav-links{display:none}
  .hero .wrap,.insurepanel{grid-template-columns:1fr}
  .twocol{grid-template-columns:minmax(0,1fr)}
  .twocol{gap:30px}
  .sidecard{position:static}
  .cards,.cards.four,.why,.steps,.bloglist{grid-template-columns:1fr 1fr}
  .steps:before{display:none}
  .steps{row-gap:26px}
  .areas{grid-template-columns:1fr 1fr}
  .hero{padding:48px 0}
  .sitefooter .wrap{grid-template-columns:1fr 1fr}
  .sticky-cta{display:block}
  body{padding-bottom:64px}
  .floatcall{display:none}
  .sec{padding:52px 0}
}
@media(max-width:600px){
  .wrap{padding:0 18px}
  .cards,.cards.four,.cards.two,.why,.steps,.bloglist,.areas,.sitefooter .wrap{grid-template-columns:1fr}
  .sec h2,.twocol article h2{font-size:25px}
  .ctaband h2{font-size:27px}
  .topbar .wrap{justify-content:center;text-align:center}
  .logo img{height:40px}
  .btn{padding:14px 20px}
  .cta-row .btn{width:100%;justify-content:center}
  .insurepanel{padding:24px}
  .mapframe{height:300px}
}

/* mobile drawer */
.mob-overlay{display:none;position:fixed;inset:0;background:rgba(30,40,51,.55);z-index:140}
.mob-overlay.show{display:block}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(88vw,360px);background:#fff;z-index:150;box-shadow:-18px 0 40px rgba(30,40,51,.25);overflow-y:auto;transform:translateX(100%);transition:transform .2s ease}
.mob-drawer.open{transform:translateX(0)}
.mob-drawer[hidden]{display:none}
.drawer-inner{padding:64px 22px 28px}
.drawer-close{position:absolute;top:14px;right:14px;width:44px;height:44px;border-radius:10px;border:1px solid var(--line);background:var(--mist);font-size:18px;cursor:pointer;color:var(--slate-900)}
.drawer-list,.drawer-list ul{list-style:none}
.drawer-list>li{border-bottom:1px solid var(--line);list-style:none}
.drawer-list a,.drawer-toggle{display:flex;justify-content:space-between;align-items:center;width:100%;padding:15px 4px;color:var(--slate-900);text-decoration:none;font-weight:700;font-size:16.5px;background:none;border:0;cursor:pointer;font-family:var(--font-body);text-align:left}
.drawer-list ul{padding:0 0 10px 14px}
.drawer-list ul[hidden]{display:none}
.drawer-list ul li{list-style:none}
.drawer-list ul a{font-weight:600;font-size:15.5px;padding:10px 4px;color:var(--slate-600)}
.drawer-callrow{border-bottom:0!important;padding-top:18px}
.drawer-list a.drawer-cta{color:#fff;justify-content:center;gap:8px;padding:14px 20px}
.hubtext{margin-top:44px}
.drawer-group>ul{margin-bottom:4px}
.card.hasthumb{overflow:hidden}
.card .thumb{display:block;width:calc(100% + 48px);max-width:none;height:auto;aspect-ratio:16/9;object-fit:cover;margin:-24px -24px 16px}
.blogcard .bc-img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}
.inlinefig{margin:24px 0 28px}
.inlinefig img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:var(--radius)}