:root{--cobalt:#0B3FE0;--cobalt-d:#0930B5;--cobalt-dd:#082377;--orange:#FF7A1A;--orange-d:#E5670E;--orange-text:#B84D00;--gray:#4A4F60;--line:#E2E6F5;--tint:#EAEFFD;--ink:#151A2E;--bg:#FFFFFF;--radius:16px;--shadow:0 10px 30px rgba(8,35,119,.08)}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px}
img{max-width:100%;height:auto}
a{color:var(--cobalt-d)}
h1,h2,h3,h4{font-family:'Plus Jakarta Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;letter-spacing:-.02em;font-weight:800;line-height:1.2}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--cobalt-dd);color:#fff;padding:10px 16px;z-index:10000;border-radius:8px}
.skip-link:focus{left:8px}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--orange);color:#1a0d00;font-weight:800;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:10px;box-shadow:0 10px 24px rgba(255,122,26,.32);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--orange-d)}
.btn.cobalt{background:var(--cobalt);color:#fff;box-shadow:0 10px 24px rgba(11,63,224,.25)}
.btn.cobalt:hover{background:var(--cobalt-d)}
.btn.dark{background:var(--cobalt-dd);color:#fff;box-shadow:none}
.btn.dark:hover{background:#05174f}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--cobalt)}
.btn.block{width:100%}
/* topbar + nav */
.topbar{background:var(--cobalt-dd);color:#C6D1F5;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{text-decoration:underline}
header.site-head{position:relative;z-index:200;background:#fff;box-shadow:0 1px 0 var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:78px}
.logo{display:flex;align-items:center;flex-shrink:1;min-width:0;text-decoration:none}
.logo img{display:block;height:44px;width:auto;max-width:100%}
.nav-links{display:flex;align-items:center;gap:6px;list-style:none}
.nav-links>li>a{color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px;padding:10px 12px;display:inline-block;border-radius:8px}
.nav-links>li>a:hover{color:var(--cobalt)}
.nav-links .nav-cta{background:var(--orange);color:#1a0d00;font-weight:800;padding:11px 20px;margin-left:8px}
.nav-links .nav-cta:hover{background:var(--orange-d);color:#1a0d00}
.has-dropdown{position:relative}
.dd-arrow{font-size:10px;margin-left:3px}
.dropdown{position:absolute;top:100%;left:0;min-width:270px;padding:8px 0;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(8,35,119,.16);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .18s,visibility .18s,transform .18s;z-index:1000}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown li{list-style:none}
.dropdown a{display:block;padding:9px 18px;white-space:nowrap;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px}
.dropdown a:hover{background:var(--tint);color:var(--cobalt-d)}
.dropdown .dd-all a{border-top:1px solid var(--line);margin-top:6px;padding-top:12px;color:var(--cobalt-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:2px solid var(--line);border-radius:10px;cursor:pointer;padding:8px}
.hamburger span{display:block;width:22px;height:2px;background:var(--cobalt-dd);border-radius:2px;transition:transform .2s,opacity .2s}
.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 40px;visibility:hidden}
.mob-drawer[hidden]{display:block}
.mob-drawer:not([hidden]){transform:translateX(0);visibility:visible}
.mob-drawer ul{list-style:none;margin:44px 0 0}
.mob-drawer li{list-style:none}
.mob-drawer a{display:block;padding:13px 0;font-size:16.5px;font-weight:700;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.mob-drawer .mob-sub a{padding-left:16px;font-weight:600;font-size:15.5px;color:var(--gray)}
.mob-drawer .mob-label{display:block;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--cobalt-d);font-weight:800;padding:16px 0 4px}
.mob-drawer .drawer-cta{margin-top:18px;background:var(--orange);color:#1a0d00;text-align:center;border-radius:10px;border:0}
.drawer-close{position:absolute;top:14px;right:14px;width:44px;height:44px;font-size:22px;background:var(--tint);border:0;border-radius:10px;cursor:pointer;color:var(--cobalt-dd)}
.mob-overlay{position:fixed;inset:0;background:rgba(8,35,119,.55);z-index:9998;opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s}
.mob-overlay.visible{opacity:1;visibility:visible}
.vertrow{background:var(--cobalt);padding:10px 0}
.vertrow .wrap{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}
.vertpill{color:#fff;font-size:12.5px;font-weight:700;padding:5px 14px;border-radius:100px;background:rgba(255,255,255,.14);text-decoration:none}
.vertpill.active{background:var(--orange);color:#1a0d00}
/* hero */
.hero{background:#fff;padding:64px 0;position:relative;isolation:isolate;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;position:relative;z-index:2}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--tint);color:var(--cobalt-d);font-weight:800;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--orange);display:inline-block}
.badge-alt{background:var(--cobalt-dd);color:#fff}
.hero h1{font-size:clamp(30px,4.6vw,46px);line-height:1.1;margin-bottom:16px}
.hero h1 span{color:var(--cobalt)}
.hero p.lead{color:var(--gray);font-size:17px;max-width:520px;margin-bottom:24px;font-weight:500}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:20px}
.trustrow{display:flex;gap:16px;flex-wrap:wrap;color:var(--gray);font-size:13.5px;font-weight:700}
.trustrow span:before{content:"\2713\00a0";color:var(--cobalt)}
.statpanel{background:var(--cobalt);color:#fff;border-radius:20px;padding:28px}
.statpanel h2{font-size:15px;opacity:.85;margin-bottom:16px;letter-spacing:0;font-weight:700}
.strow{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.2);font-size:14px}
.strow:last-child{border-bottom:none}
.strow b{color:#FFB77A;font-size:16px;text-align:right}
.hero.has-hero,.pagehead.has-hero{background:var(--cobalt-dd)}
.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(8,35,119,.92) 0%,rgba(8,35,119,.78) 55%,rgba(8,35,119,.55) 100%)}
.hero.has-hero h1,.hero.has-hero p.lead,.hero.has-hero .trustrow{color:#fff}
.hero.has-hero h1 span{color:#FFB77A}
.hero.has-hero .trustrow span:before{color:#FFB77A}
.hero.has-hero .badge{background:rgba(255,255,255,.16);color:#fff}
.hero.has-hero .btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.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 18px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem svg{width:20px;height:20px;color:var(--cobalt);flex:none}
.emergency{background:var(--orange);color:#1a0d00;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:14.5px;font-weight:600}
/* generic sections */
.sec{padding:76px 0;background:#fff}
.sec.tint{background:var(--tint)}
.kick{color:var(--cobalt-d);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.sec-title{font-size:clamp(26px,3.4vw,36px);margin:10px 0 14px}
.sec-lead{color:var(--gray);max-width:760px;margin-bottom:30px;font-weight:500}
.cardgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.mcard{border:2px solid var(--line);border-radius:var(--radius);padding:24px;background:#fff;display:flex;flex-direction:column}
.mcard .ic{width:46px;height:46px;background:var(--cobalt);color:#fff;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.mcard .ic svg{width:24px;height:24px}
.mcard h3{font-size:18px;margin-bottom:8px}
.mcard p{font-size:15px;color:var(--gray);margin-bottom:12px;font-weight:500}
.mcard a.more{color:var(--orange-text);font-weight:800;font-size:14px;text-decoration:none;margin-top:auto}
.mcard a.more:hover{text-decoration:underline}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--radius);padding:24px;text-align:center;border:2px solid var(--line)}
.sec.tint .whycard{border-color:transparent}
.whycard .num{width:44px;height:44px;background:var(--cobalt);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;margin-bottom:6px}
.whycard p{font-size:14.5px;color:var(--gray);font-weight:500}
.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(--orange);color:#1a0d00;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(--gray);font-weight:500}
.factgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.factcard{border:2px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff}
.factcard h3{font-size:17px;margin-bottom:6px}
.factcard p{font-size:15px;color:var(--gray);font-weight:500}
.factnote{text-align:center;font-size:14px;color:var(--gray);margin-top:18px;font-weight:500}
.insurepanel{background:var(--cobalt-dd);color:#fff;border-radius:20px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h2,.insurepanel h3{font-size:clamp(21px,2.6vw,26px);margin-bottom:8px;color:#FFB77A}
.insurepanel p{font-size:15.5px;color:#D3DCF8;max-width:640px;font-weight:500}
.insurepanel p+p{margin-top:12px}
.insurepanel a:not(.btn){color:#fff}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.areas a{background:#fff;border:2px solid var(--line);padding:16px 14px;border-radius:14px;color:var(--ink);text-decoration:none;font-weight:800;font-size:15px;text-align:center}
.areas a:hover{border-color:var(--cobalt)}
.areas a small{display:block;font-weight:600;color:var(--gray);font-size:12.5px;margin-top:2px}
.ctaband{background:var(--cobalt-dd);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:clamp(26px,4vw,40px);margin-bottom:8px}
.ctaband p{font-size:17px;margin:0 auto 24px;color:#D3DCF8;max-width:620px}
/* page head */
.pagehead{background:var(--tint);padding:46px 0 52px;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}
.crumb{color:var(--gray);font-size:13.5px;margin-bottom:14px;font-weight:600}
.crumb a{color:var(--cobalt-d);text-decoration:none}
.crumb a:hover{text-decoration:underline}
.crumb span.sep{margin:0 6px;opacity:.6}
.pagehead h1{font-size:clamp(28px,3.8vw,40px);margin-bottom:12px}
.pagehead p.lead{color:var(--gray);max-width:640px;font-size:17px;font-weight:500}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap}
.chip{background:#fff;border:1px solid var(--line);color:var(--cobalt-d);font-size:13px;font-weight:700;padding:7px 14px;border-radius:100px}
.chip:before{content:"\2713\00a0"}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}
.zip-chip{background:var(--cobalt-dd);color:#fff;border-radius:100px;padding:6px 14px;font-weight:800;font-size:13.5px}
.herocall{background:var(--cobalt-dd);color:#fff;border-radius:var(--radius);padding:24px;text-align:center;min-width:260px}
.herocall .lbl{color:#C6D1F5;font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.herocall .num{font-weight:800;font-size:24px;color:#FFB77A;margin:6px 0 14px}
.pagehead.has-hero h1,.pagehead.has-hero p.lead,.pagehead.has-hero .crumb,.pagehead.has-hero .crumb a{color:#fff}
.pagehead.has-hero .chip{background:rgba(255,255,255,.14);border-color:rgba(255,255,255,.3);color:#fff}
.pagehead.has-hero .badge{background:rgba(255,255,255,.16);color:#fff}
/* article */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:40px;align-items:start}
.sidecard{background:var(--cobalt);color:#fff;border-radius:18px;padding:26px;position:sticky;top:24px;align-self:start}
.sidecard .skick{display:inline-block;background:var(--orange);color:#1a0d00;font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:5px 11px;border-radius:100px;margin-bottom:12px}
.sidecard h2,.sidecard h3{font-size:20px;margin-bottom:8px}
.sidecard p{color:#DCE4FA;font-size:15px;margin-bottom:16px}
.sidecard .btn{width:100%}
.sidecard ul{list-style:none;margin-top:16px;border-top:1px solid rgba(255,255,255,.28);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:#FFB77A;font-weight:800}
.sidecard .sidelink{display:block;margin-top:14px;color:#fff;font-weight:700;font-size:14.5px}
.block{background:#fff;border:2px solid var(--line);border-radius:var(--radius);padding:30px 32px;margin-bottom:22px}
.block h2{font-size:clamp(22px,2.6vw,28px);margin-bottom:14px}
.block h3{font-size:18px;margin:18px 0 8px}
main p{font-size:16.5px;line-height:1.7;color:#232842}
main p + p{margin-top:14px}
main h2 + p,main h3 + p{margin-top:0}
.prose a,.faq-a a,.callout a,.checklist a{color:var(--cobalt-d);font-weight:700}
.block.callout{background:var(--tint);border-color:#CBD6F7}
.block.callout h2{color:var(--cobalt-dd)}
.block.checklist{border-color:var(--cobalt);border-left-width:8px}
.checklist ul{list-style:none;margin-top:6px}
.checklist li{position:relative;padding:8px 0 8px 32px;border-bottom:1px solid var(--line);font-size:16px}
.checklist li:last-child{border-bottom:0}
.checklist li:before{content:"\2713";position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;background:var(--cobalt);color:#fff;font-size:12px;font-weight:800;display:flex;align-items:center;justify-content:center}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:6px}
.sign{background:var(--tint);border-radius:14px;padding:20px}
.sign h3{font-size:17px;margin:0 0 6px}
.sign p{font-size:15px;color:var(--gray);font-weight:500;line-height:1.6}
.sign p + p{margin-top:10px}
.stepcards{counter-reset:sc;list-style:none;margin-top:6px}
.stepcards li{counter-increment:sc;position:relative;padding:4px 0 18px 64px}
.stepcards li:before{content:counter(sc);position:absolute;left:0;top:0;width:46px;height:46px;border-radius:50%;background:var(--orange);color:#1a0d00;font-weight:800;font-size:19px;display:flex;align-items:center;justify-content:center}
.stepcards li:after{content:"";position:absolute;left:22px;top:50px;bottom:4px;width:2px;background:var(--line)}
.stepcards li:last-child:after{display:none}
.stepcards h3{font-size:17px;margin:0 0 4px}
.stepcards p{font-size:15.5px;color:var(--gray);font-weight:500}
.prep{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:6px}
.prepcard{border:2px solid #FFD2AE;background:#FFF6EE;border-radius:14px;padding:18px 18px 18px 20px;border-left:6px solid var(--orange)}
.prepcard h3{font-size:16.5px;margin:0 0 6px}
.prepcard p{font-size:15px;color:#4a3a2a;font-weight:500;line-height:1.6}
.localnote{background:linear-gradient(180deg,#F5F8FF,#fff);border:2px solid #CBD6F7;border-radius:var(--radius);padding:28px 32px;margin-bottom:22px}
.localnote .lnlabel{display:inline-block;background:var(--cobalt-dd);color:#fff;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:5px 12px;border-radius:100px;margin-bottom:12px}
.localnote h2{font-size:clamp(21px,2.5vw,26px);margin-bottom:12px}
.table-wrap{overflow-x:auto;margin:14px 0 4px;border-radius:12px;border:1px solid var(--line)}
table{border-collapse:collapse;width:100%;min-width:520px;font-size:15px}
th{background:var(--cobalt-dd);color:#fff;text-align:left;padding:12px 14px;font-weight:700}
td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top;color:#232842}
tbody tr:nth-child(even) td{background:#F6F8FE}
.midcta{background:var(--orange);border-radius:var(--radius);color:#1a0d00;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;margin:6px 0 22px;flex-wrap:wrap}
.midcta h2,.midcta h3{font-size:21px}
.midcta p{font-size:15px;font-weight:600;color:#1a0d00}
.faqwrap{background:#fff;border:2px solid var(--line);border-radius:var(--radius);padding:30px 32px;margin-bottom:22px}
.faqwrap h2{font-size:clamp(22px,2.6vw,28px);margin-bottom:10px}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item:last-child{border-bottom:0}
.faq-q{display:flex;justify-content:space-between;align-items:center;gap:14px;width:100%;text-align:left;background:none;border:0;padding:16px 0;font:inherit;font-weight:800;font-size:16.5px;color:var(--ink);cursor:pointer}
.faq-q:after{content:"+";font-size:24px;line-height:1;color:var(--cobalt);flex:none}
.faq-q[aria-expanded="true"]:after{content:"\2212"}
.faq-a{overflow:hidden}
.js .faq-a{max-height:0;transition:max-height .3s ease}
.faq-a-inner{padding:0 0 18px}
.faq-a p{font-size:16px;color:var(--gray)}
.map-sec{background:var(--tint);padding:46px 0}
.map-sec p.map-h{font-weight:800;font-size:22px;margin-bottom:6px;letter-spacing:-.02em}
.map-sec p.map-sub{color:var(--gray);margin-bottom:18px;font-weight:500;font-size:16px}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--radius);overflow:hidden;border:2px solid var(--line);background:#dfe6fb}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-loc{margin:6px 0 22px}
.map-loc .map-wrap{padding-bottom:56%}
.map-loc p.map-cap{font-size:14px;color:var(--gray);margin-top:8px}
/* blog */
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.bcard{border:2px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;display:flex;flex-direction:column}
.bcard .bthumb{height:130px;background:linear-gradient(135deg,var(--cobalt-dd),var(--cobalt));display:flex;align-items:flex-end;padding:14px}
.bcard .bthumb span{background:var(--orange);color:#1a0d00;font-weight:800;font-size:12px;padding:4px 10px;border-radius:100px}
.bcard .bthumb img{width:100%;height:100%;object-fit:cover}
.bcard .bbody{padding:18px 20px 22px;display:flex;flex-direction:column;flex:1}
.bcard h3{font-size:17.5px;margin-bottom:8px}
.bcard h3 a{color:var(--ink);text-decoration:none}
.bcard h3 a:hover{color:var(--cobalt)}
.bcard p{font-size:14.5px;color:var(--gray);font-weight:500}
.byline{color:var(--gray);font-size:14px;font-weight:600;margin-top:10px}
/* legal / simple */
.simple{max-width:820px}
.simple h2{font-size:24px;margin:26px 0 10px}
.simple p{margin-bottom:0}
/* footer */
footer.site-foot{background:var(--cobalt-dd);color:#C6D1F5;padding:54px 0 34px;font-size:15px}
footer .fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:34px}
footer .foot-h{color:#fff;font-size:16px;font-weight:800;margin-bottom:12px}
footer a{color:#C6D1F5;text-decoration:none;display:block;margin-bottom:8px;font-weight:500}
footer a:hover{color:#fff;text-decoration:underline}
footer .flogo img{height:42px;width:auto;display:block;margin-bottom:14px}
footer address{font-style:normal;line-height:1.7;margin-bottom:10px}
footer a.fphone{color:#FFB77A;font-weight:800;font-size:18px}
footer .fine{border-top:1px solid rgba(255,255,255,.18);margin-top:30px;padding-top:18px;font-size:13.5px;color:#AEBBEA}
footer p{color:#C6D1F5;font-size:15px}
/* sticky + float */
.sticky-cta{display:block;position:fixed;bottom:20px;right:22px;background:var(--cobalt-dd);z-index:90;padding:10px 20px;border-radius:999px;box-shadow:0 10px 26px rgba(0,0,0,.28)}
.sticky-cta a{display:flex;align-items:center;justify-content:center;gap:8px;color:#FFB77A;font-weight:800;font-size:16px;text-decoration:none;min-height:30px}
.floatcall{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:var(--orange);color:#1a0d00;display:flex;align-items:center;justify-content:center;box-shadow:0 10px 26px rgba(255,122,26,.45);z-index:80;text-decoration:none}
.floatcall svg{width:26px;height:26px}
.floatcall:hover{background:var(--orange-d)}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:clamp(34px,6vw,56px);margin-bottom:12px}
@media(max-width:1100px){.areas{grid-template-columns:repeat(3,1fr)}.cardgrid,.bloggrid{grid-template-columns:repeat(2,1fr)}.why{grid-template-columns:repeat(2,1fr)}}
@media(max-width:900px){
.nav-links{display:none}
.hamburger{display:flex}
.hero .wrap,.twocol,.boxgrid,.insurepanel,.pagehead .wrap,.prep,.factgrid{grid-template-columns:minmax(0,1fr)}
article{min-width:0}
.sidecard{position:static}
.steps{grid-template-columns:1fr 1fr;row-gap:28px}
.steps:before{display:none}
footer .fgrid{grid-template-columns:1fr 1fr}
.herocall{min-width:0}
.hero{padding:44px 0}
}
@media(max-width:700px){
.sticky-cta{bottom:0;left:0;right:0;border-radius:0;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
body{padding-bottom:66px}
.floatcall{display:none}
.cardgrid,.bloggrid,.why,.areas{grid-template-columns:1fr}
.areas{grid-template-columns:1fr 1fr}
.steps{grid-template-columns:1fr}
.block,.faqwrap,.localnote{padding:22px 20px}
.sec{padding:52px 0}
footer .fgrid{grid-template-columns:minmax(0,1fr)}
footer .fgrid>*{min-width:0;overflow-wrap:anywhere}
.wrap{padding:0 16px}
.map-wrap{padding-bottom:75%}
.topbar .wrap{justify-content:center;text-align:center}
}
@media(max-width:420px){.logo img{height:36px}.nav-inner{min-height:68px}.areas{grid-template-columns:1fr}.btn{padding:14px 20px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
.homeprose{max-width:900px;margin:0 auto}
.sec .cardgrid,.sec .areas,.sec .why,.sec .steps,.sec .factgrid{margin-top:6px}
.prose p,.prose li,.block p,.block li{overflow-wrap:anywhere}

.hubcall{text-align:center;margin:26px 0 0}
.bcard .bthumb{height:auto;aspect-ratio:16/9;padding:0;overflow:hidden}
.bcard .bthumb img{display:block}