:root{
  --ink:#1B2420;--muted:#4D5A51;--dark:#153027;--mid:#1F4235;--amber:#E0A030;--amber-dk:#C0851C;
  --pale:#F1F6F2;--line:#DCE8DE;--soft:#B9CCC1;--white:#fff;
  --serif:'Fraunces',Georgia,'Times New Roman',serif;--sans:'Karla',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
  --r:14px;--r-sm:10px;--wrap:1180px;--gut:24px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);font-size:17px;color:var(--ink);background:var(--white);line-height:1.68;-webkit-text-size-adjust:100%}
img,svg{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--serif);letter-spacing:-.01em;line-height:1.2;color:var(--ink)}
a{color:var(--mid)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.skip{position:absolute;left:-999px;top:0;background:var(--amber);color:var(--dark);padding:10px 16px;z-index:100;font-weight:700}
.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--amber);color:var(--dark);font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:var(--r-sm);box-shadow:0 10px 22px rgba(224,160,48,.32);line-height:1.2;text-align:center}
.btn:hover{background:var(--amber-dk)}
.btn.alt{background:var(--mid);color:#fff;box-shadow:0 10px 22px rgba(31,66,53,.28)}
.btn.alt:hover{background:var(--dark)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--pale)}
.btn.sm{font-size:14px;padding:11px 20px}
.btn.block{display:flex;width:100%}
.topbar{background:var(--dark);color:var(--soft);font-size:14px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--amber);font-weight:700;text-decoration:none}
.site-header{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:30}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;flex:0 1 auto;min-width:0}
.logo img{display:block;width:auto;height:44px;max-width:100%}
.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:15px;padding:10px 12px;background:none;border:0;cursor:pointer;font-family:var(--sans);display:inline-flex;align-items:center;gap:4px;line-height:1.2}
.navlinks>li>a:hover,.navlinks>li>button:hover{color:var(--mid)}
.navlinks>li>button:after{content:"";border:solid currentColor;border-width:0 2px 2px 0;padding:2.5px;transform:rotate(45deg);margin:-3px 0 0 4px}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:280px;background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);box-shadow:0 18px 38px rgba(21,48,39,.16);padding:8px;list-style:none;z-index:60}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;border-radius:8px}
.dropmenu a:hover{background:var(--pale);color:var(--mid)}
.dropmenu .dm-head{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:700;padding:8px 12px 4px}
.navlinks>li:hover>.dropmenu,.navlinks>li:focus-within>.dropmenu{display:block}
.menu-toggle{display:none;background:var(--pale);border:1px solid var(--line);border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center;flex:0 0 auto}
.menu-toggle span,.menu-toggle span:before,.menu-toggle span:after{display:block;width:22px;height:2.5px;background:var(--dark);border-radius:2px;position:relative;content:""}
.menu-toggle span:before{position:absolute;top:-7px}
.menu-toggle span:after{position:absolute;top:7px}
.mobile-menu{display:none;background:#fff;border-top:1px solid var(--line);padding:14px var(--gut) 22px;max-height:calc(100vh - 78px);overflow-y:auto}
.mobile-menu.open{display:block}
.mobile-menu h2{font-family:var(--sans);font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin:14px 0 4px}
.mobile-menu ul{list-style:none}
.mobile-menu a{display:block;padding:11px 0;color:var(--ink);text-decoration:none;font-weight:700;border-bottom:1px solid var(--line)}
.mobile-menu .btn{margin-top:16px;border-bottom:0}
.crumbs{font-size:13.5px;color:var(--soft);margin-bottom:14px}
.crumbs a{color:#fff;text-decoration:underline;text-underline-offset:2px}
.crumbs span{margin:0 6px;opacity:.7}
.crumbs .crumb-cur{margin:0;opacity:.85}
/* hero and page heads */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,#153027 0%,#1F4235 58%,#2C5A47 100%);overflow:hidden}
.hero{padding:72px 0}
.pagehead{padding:56px 0 52px}
.hero:after,.pagehead:after{content:"";position:absolute;right:-90px;top:-90px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(224,160,48,.20),rgba(224,160,48,0) 68%);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;background:linear-gradient(90deg,rgba(21,48,39,.92) 0%,rgba(21,48,39,.78) 55%,rgba(21,48,39,.55) 100%);z-index:-1}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;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:13.5px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--amber)}
.badge.badge-alt{background:var(--amber);color:var(--dark)}
.badge.badge-alt:before{background:var(--dark)}
.hero h1{font-size:clamp(32px,4.4vw,46px);margin-bottom:16px;color:#fff}
.hero h1 span{color:var(--amber)}
.pagehead h1{font-size:clamp(28px,3.6vw,38px);margin-bottom:12px;color:#fff;max-width:860px}
.hero p.sub,.pagehead p.sub{color:#E3EDE6;font-size:18px;max-width:640px;margin-bottom:22px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 22px;flex-wrap:wrap;color:#E3EDE6;font-size:14px;font-weight:700;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--amber)}
.statpanel{background:rgba(21,48,39,.82);border:1px solid rgba(255,255,255,.14);color:#fff;border-radius:var(--r);padding:28px}
.statpanel h2{font-size:15px;color:var(--soft);margin-bottom:12px;font-family:var(--sans);text-transform:uppercase;letter-spacing:.1em}
.strow{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:15px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--amber);font-family:var(--serif);font-size:17px;text-align:right}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 20px}
.zip-chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);color:#fff;font-weight:700;font-size:14px;padding:5px 13px;border-radius:100px}
.zip-chip.primary{background:var(--amber);color:var(--dark);border-color:var(--amber)}
.strip{background:var(--pale);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:18px var(--gut);flex-wrap:wrap;gap:10px 22px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14.5px}
.stripitem .ic{color:var(--mid);font-size:18px}
.emergency{background:var(--amber);color:var(--dark);padding:24px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:23px;color:var(--dark)}
.emergency p{font-size:15px}
.emergency .btn{background:var(--dark);color:#fff;box-shadow:none}
/* sections */
.sec{padding:68px 0;background:#fff}
.sec.tint{background:var(--pale)}
.kick{color:var(--mid);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2,.article h2{font-size:32px;margin:8px 0 18px}
.article h2{margin-top:44px}
.article h2:first-child{margin-top:0}
.fullw>h2,.fullw>.faq+h2,.fullw p+h2,.fullw ul+h2,.fullw .tablewrap+h2,.fullw .callout+h2{margin-top:40px}
.intro+h2{margin-top:40px}
.article h3,.sec h3{font-size:20px;margin:22px 0 8px}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main p{max-width:74ch}
main p,main li{overflow-wrap:anywhere}
.article{min-width:0}
.fullw p{max-width:78ch}
.article ul,.article ol,.fullw ul,.fullw ol{margin:14px 0 4px 1.3em;max-width:74ch}
.article li,.fullw li{margin-top:7px}
.article a,.fullw a,.faq a{text-underline-offset:2px}
.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(--dark);color:#fff;border-radius:var(--r);padding:26px;box-shadow:0 18px 40px rgba(21,48,39,.22)}
.sidecard .kick{color:var(--amber)}
.sidecard h3{color:#fff;font-size:21px;margin:8px 0 10px}
.sidecard p{color:var(--soft);font-size:15px;margin-bottom:16px}
.sidecard ul{list-style:none;margin:18px 0 14px}
.sidecard li{font-size:14.5px;padding:7px 0 7px 26px;position:relative;border-top:1px solid rgba(255,255,255,.12);color:#E3EDE6}
.sidecard li:before{content:"\2713";position:absolute;left:2px;color:var(--amber);font-weight:700}
.sidecard .sc-link{display:block;color:var(--amber);font-weight:700;font-size:14.5px;margin-top:6px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;min-width:0;overflow-wrap:anywhere}
.card .ic{width:48px;height:48px;background:var(--pale);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:12px}
.card h3{font-size:18px;margin:0 0 8px}
.card p{font-size:15px;color:var(--muted);margin-top:0}
.card p+p{margin-top:10px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.cards.prep .card{border-left:4px solid var(--amber)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:22px}
.whycard{background:var(--pale);border-radius:var(--r);padding:24px;text-align:center}
.tint .whycard{background:#fff}
.whycard .num{width:44px;height:44px;background:var(--mid);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;margin:0 0 6px}
.whycard p{font-size:15px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-top:26px}
.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(--amber);color:var(--dark);font-family:var(--serif);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:15px;color:var(--muted)}
.tablewrap{overflow-x:auto;margin:20px 0 6px;border:1px solid var(--line);border-radius:var(--r);-webkit-overflow-scrolling:touch}
table.dt{width:100%;border-collapse:collapse;font-size:15px;min-width:560px}
table.dt caption{text-align:left;font-weight:700;padding:12px 18px;background:var(--pale);font-family:var(--serif)}
table.dt th{background:var(--dark);color:#fff;text-align:left;padding:13px 18px;font-size:13px;letter-spacing:.06em;text-transform:uppercase}
table.dt td{padding:14px 18px;border-top:1px solid var(--line);vertical-align:top}
table.dt tr:nth-child(even) td{background:#FAFCFA}
table.dt td:first-child{font-weight:700;color:var(--mid)}
.callout{background:var(--pale);border-left:5px solid var(--amber);border-radius:0 var(--r) var(--r) 0;padding:20px 24px;margin:22px 0}
.callout h3{margin:0 0 6px;font-size:19px}
.callout p{margin-top:0;font-size:16px}
.safety{background:#FFF6E3;border:1px solid #F0D79B;border-left:5px solid var(--amber-dk);border-radius:0 var(--r) var(--r) 0;padding:20px 24px;margin:22px 0}
.safety h3{margin:0 0 6px;font-size:19px}
.safety p{margin-top:0;font-size:16px}
.localnote{background:var(--pale);border:1px solid var(--line);border-radius:var(--r);padding:26px 28px;margin:34px 0}
.localnote h2{margin-top:0;font-size:25px}
.insurepanel{background:var(--dark);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr;gap:24px;align-items:center;margin-top:20px}
.insurepanel h3{font-size:24px;margin:0 0 8px;color:var(--amber)}
.insurepanel p{font-size:16px;color:var(--soft);max-width:560px}
.ctamid{background:var(--pale);border:1px solid var(--line);border-radius:var(--r);padding:24px 28px;margin:34px 0;display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.ctamid p{margin:0;max-width:46ch;font-weight:700;font-family:var(--serif);font-size:19px;line-height:1.35}
.faq{margin-top:10px}
.faq details{border:1px solid var(--line);border-radius:var(--r-sm);margin-top:12px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;font-family:var(--serif);font-size:18px;padding:16px 52px 16px 20px;list-style:none;position:relative;line-height:1.35}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--mid);font-family:var(--sans)}
.faq details[open] summary:after{content:"\2212"}
.faq details[open] summary{border-bottom:1px solid var(--line)}
.faq .ans{padding:14px 20px 18px}
.faq .ans p{max-width:none;margin-top:0}
.faq .ans p+p{margin-top:12px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-top:20px;list-style:none}
.areas a{display:block;background:#fff;border:1px solid var(--line);padding:14px;border-radius:var(--r-sm);color:var(--ink);text-decoration:none;font-weight:700;font-size:15px;text-align:center}
.areas a:hover{background:var(--pale)}
.ctaband{background:var(--dark);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:38px;margin-bottom:10px;color:#fff}
.ctaband p{font-size:18px;margin:0 auto 24px;color:var(--soft)}
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:24px}
.blogcard{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;display:flex;flex-direction:column}
.blogcard .bc-img{display:block;aspect-ratio:16/9;overflow:hidden;background:var(--mid)}
.blogcard .bc-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .3s}
.blogcard:hover .bc-img img{transform:scale(1.04)}
.blogcard .bc-head{height:8px;background:linear-gradient(90deg,var(--mid),var(--amber))}
.blogcard .bc-body{padding:22px;display:flex;flex-direction:column;gap:10px;flex:1}
.blogcard h2,.blogcard h3{font-size:19px;margin:0;line-height:1.3}
.blogcard h2 a,.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h2 a:hover,.blogcard h3 a:hover{color:var(--mid);text-decoration:underline}
.blogcard p{font-size:15px;color:var(--muted);margin:0}
.byline{font-size:14px;color:var(--soft);margin-bottom:6px}
.infogrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:22px 0}
.mapbox{display:block;width:100%;height:380px;border:0;border-radius:var(--r);background:var(--pale)}
.mapsec{padding:56px 0 0;background:#fff}
.mapsec h2{font-size:28px;margin:6px 0 8px}
.mapsec p{margin-bottom:18px;max-width:70ch}
.mapsec .mapbox{border-radius:var(--r) var(--r) 0 0}
.site-footer .wrap>div{min-width:0}
.site-footer a,.site-footer p{overflow-wrap:anywhere}
.site-footer{background:#fff;border-top:1px solid var(--line);padding:52px 0 40px;font-size:15px}
.site-footer .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:32px}
.footh{font-family:var(--serif);font-size:17px;margin-bottom:12px;color:var(--ink)}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:var(--mid);text-decoration:underline}
.site-footer p{margin-bottom:8px;color:var(--muted);max-width:none}
.site-footer address{font-style:normal;color:var(--muted);line-height:1.6;margin-bottom:8px}
.footbar{background:var(--dark);color:var(--soft);font-size:13.5px;padding:16px 0;text-align:center}
.footbar a{color:var(--soft)}
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--dark);z-index:50;padding:10px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.sticky-cta a{display:flex;align-items:center;justify-content:center;gap:8px;color:#fff;font-weight:700;font-size:16px;text-decoration:none;padding:6px}
.floatcall{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:var(--amber);color:var(--dark);display:flex;align-items:center;justify-content:center;font-size:26px;text-decoration:none;box-shadow:0 12px 26px rgba(21,48,39,.32);z-index:45;transition:opacity .2s,transform .2s}
.floatcall:hover{background:var(--amber-dk)}
.floatcall.hide{opacity:0;pointer-events:none;transform:translateY(12px)}
.noscript-note{display:none}
@media(max-width:1020px){
  .navlinks{display:none}
  .menu-toggle{display:flex}
  .hero .wrap{grid-template-columns:1fr}
  .cards,.bloggrid,.infogrid{grid-template-columns:1fr 1fr}
  .why{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;gap:26px 0}
  .steps:before{display:none}
  .areas{grid-template-columns:repeat(3,1fr)}
  .twocol{grid-template-columns:minmax(0,1fr);gap:34px}
  .sidecard{position:static}
  .insurepanel{grid-template-columns:1fr}
  .site-footer .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media(max-width:760px){
  body{padding-bottom:66px}
  .sticky-cta{display:block}
  .floatcall{display:none}
  .hero{padding:48px 0}
  .pagehead{padding:40px 0 38px}
  .sec{padding:48px 0}
  .sec h2,.article h2{font-size:26px}
  .ctaband h2{font-size:30px}
  .topbar .wrap{justify-content:center;text-align:center}
  .topbar .tb-area{display:none}
}
@media(max-width:600px){
  .cards,.cards.two,.bloggrid,.infogrid,.why,.steps{grid-template-columns:1fr}
  .areas{grid-template-columns:1fr 1fr}
  .site-footer .wrap{grid-template-columns:minmax(0,1fr)}
  .btn{width:100%}
  .btn.sm{width:auto}
  .cta-row{flex-direction:column}
  .site-header .wrap{height:68px}
  .logo img{height:42px}
  .mobile-menu{max-height:calc(100vh - 68px)}
}
@media(max-width:400px){
  :root{--gut:16px}
  .logo img{height:38px}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.floatcall{transition:none}}