:root{--navy:#203A60;--denim:#2E4E7E;--flame:#C43A16;--flame-hover:#A92F10;--flame-soft:#FF9B7A;--light:#EFF3F9;--line:#DCE3EF;--ink:#1C2430;--muted:#5A6270;--white:#fff;--radius:14px;--shadow:0 10px 24px rgba(32,58,96,.12);--bp:768px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Mulish',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;font-size:16px;color:var(--ink);background:#fff;line-height:1.65}
h1,h2,h3,h4{font-family:'Rajdhani','Mulish',system-ui,sans-serif;letter-spacing:-.01em;line-height:1.15;color:var(--ink)}
img{max-width:100%;height:auto;display:block}
a{color:var(--denim)}
a:hover{color:var(--flame)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200;border-radius:0 0 8px 0}
.skip-link:focus{left:0;color:#fff}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--flame);color:#fff;font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:6px;box-shadow:0 10px 22px rgba(196,58,22,.28);border:0;cursor:pointer;line-height:1.2}
.btn:hover{background:var(--flame-hover);color:#fff}
.btn.alt{background:var(--denim);box-shadow:0 10px 22px rgba(46,78,126,.28)}
.btn.alt:hover{background:var(--navy);color:#fff}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{color:var(--flame);border-color:var(--flame)}
.btn.small{font-size:14px;padding:11px 20px}
.btn.onnavy{background:#fff;color:var(--navy);box-shadow:none}
.btn.onnavy:hover{background:var(--light);color:var(--flame-hover)}

/* topbar + nav */
.topbar{background:var(--navy);color:#C9D1DE;font-size:13.5px;padding:9px 0}
.topbar-inner{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(--flame-soft)}
.topbar-hours b{color:var(--flame-soft)}
header.site-header{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:78px}
.logo{display:block;flex:0 1 auto;min-width:0}
.logo img{height:auto;max-width:100%}
.nav-links{display:flex;align-items:center;gap:22px;list-style:none}
.nav-links>li>a{color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px;padding:8px 0;display:inline-block}
.nav-links>li>a:hover,.nav-links>li>a:focus-visible{color:var(--denim)}
.nav-links .nav-cta{background:var(--flame);color:#fff;padding:11px 20px;border-radius:6px}
.nav-links .nav-cta:hover{background:var(--flame-hover);color:#fff}
.has-dropdown{position:relative}
.dropdown{position:absolute;top:100%;left:-14px;min-width:270px;padding:8px 0;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .15s,visibility .15s,transform .15s;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,.dropdown a:focus-visible{background:var(--light);color:var(--denim)}
.dd-arrow{font-size:11px;margin-left:3px}
.hamburger{display:none;background:none;border:2px solid var(--line);border-radius:8px;width:46px;height:46px;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px;flex:0 0 auto}
.hamburger span{display:block;width:22px;height:2px;background:var(--navy)}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(86vw,360px);background:#fff;z-index:150;transform:translateX(100%);transition:transform .22s ease;overflow-y:auto;box-shadow:-10px 0 30px rgba(0,0,0,.2);visibility:hidden}
.mob-drawer.open{transform:translateX(0);visibility:visible}
.drawer-inner{padding:20px 22px 40px}
.drawer-close{display:block;margin-left:auto;background:none;border:0;font-size:26px;line-height:1;color:var(--navy);cursor:pointer;padding:6px 10px}
.mob-drawer ul{list-style:none;margin-top:8px}
.mob-drawer li a{display:block;padding:13px 4px;border-bottom:1px solid var(--line);color:var(--ink);font-weight:700;text-decoration:none}
.mob-drawer li.drawer-sub a{padding-left:20px;font-weight:600;font-size:15px;color:var(--muted)}
.mob-drawer li a.drawer-cta{background:var(--flame);color:#fff;text-align:center;border-radius:8px;margin-top:18px;border:0}
.mob-overlay{position:fixed;inset:0;background:rgba(20,30,50,.55);z-index:140;opacity:0;visibility:hidden;transition:opacity .2s}
.mob-overlay.open{opacity:1;visibility:visible}
@media(max-width:768px){.nav-links{display:none}.hamburger{display:flex}.nav-inner{min-height:68px}}

/* hero / pagehead (image or gradient) */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,var(--navy),var(--denim));overflow:hidden}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero:before,.pagehead:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(21,38,66,.92) 0%,rgba(32,58,96,.78) 55%,rgba(32,58,96,.55) 100%)}
.hero{padding:68px 0 72px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.hero h1,.pagehead h1{color:#fff}
.hero h1{font-size:clamp(34px,5vw,50px);margin-bottom:16px}
.hero h1 span{color:var(--flame-soft)}
.hero p.lead,.pagehead p.lead{color:#E3E9F3;font-size:18px;max-width:560px;margin-bottom:24px}
.pagehead{padding:46px 0 50px}
.pagehead h1{font-size:clamp(30px,4.4vw,44px);margin-bottom:12px;max-width:860px}
.crumbs{font-size:13.5px;margin-bottom:14px;color:#C9D1DE}
.crumbs a{color:#fff;text-decoration:none}
.crumbs a:hover{text-decoration:underline;color:#fff}
.crumbs span.sep{margin:0 6px;opacity:.7}
.badge{display:inline-flex;align-items:center;gap:7px;background:var(--light);color:var(--navy);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(--flame)}
.badge-alt{background:var(--flame);color:#fff}
.badge-alt:before{background:#fff}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 20px;flex-wrap:wrap;color:#E3E9F3;font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--flame-soft)}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin:6px 0 20px}
.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:5px 14px;border-radius:100px}
.statpanel{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:var(--radius);padding:26px 28px;backdrop-filter:blur(2px)}
.statpanel h2{font-size:16px;color:#C9D1DE;margin-bottom:12px;font-weight:600}
.strow{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.18);font-size:14.5px}
.strow:last-child{border-bottom:0}
.strow b{color:var(--flame-soft);font-family:'Rajdhani',sans-serif;font-size:18px;text-align:right}

/* bands */
.strip{background:var(--light);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 24px}
.stripitem{font-weight:700;font-size:14px;color:var(--navy)}
.stripitem:before{content:"\25CF\00a0";color:var(--flame);font-size:11px}
.emergency{background:var(--flame);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:24px;color:#fff}
.emergency p{font-size:15px;color:#fff}
.ctaband{background:var(--navy);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:clamp(28px,4vw,40px);margin-bottom:10px;color:#fff}
.ctaband p{font-size:17px;margin:0 auto 24px;color:#C9D1DE;max-width:640px}

/* sections */
.sec{padding:68px 0;background:#fff}
.sec.tint{background:var(--light)}
.kick{color:var(--navy);font-weight:800;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.big{font-size:clamp(28px,3.6vw,38px);margin:8px 0 28px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
article{min-width:0}
article h2{font-size:clamp(25px,3vw,32px);margin:44px 0 14px}
article h2:first-child{margin-top:0}
article h3{font-size:21px;margin:26px 0 8px}
main p{max-width:74ch}
main p + p{margin-top:14px}
main h2 + p,main h3 + p{margin-top:14px}
article ul.plain,article ol.plain{margin:14px 0 0 22px;max-width:74ch}
article ul.plain li,article ol.plain li{margin-bottom:8px}
article a,.callout a,.faq a{font-weight:700}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:18px}
.cards.two{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 2px 0 rgba(32,58,96,.03)}
.card h3{font-size:19px;margin:0 0 8px}
.card p{font-size:15px;color:var(--muted)}
.card p + p{margin-top:10px}
.card .ic{width:46px;height:46px;border-radius:12px;background:var(--light);display:flex;align-items:center;justify-content:center;font-family:'Rajdhani',sans-serif;font-weight:700;font-size:20px;color:var(--denim);margin-bottom:12px}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:var(--light);border-radius:var(--radius);padding:24px;text-align:center}
.sec.tint .whycard{background:#fff}
.whycard .num{width:44px;height:44px;background:var(--denim);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Rajdhani',sans-serif;font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:18px;margin-bottom:6px}
.whycard p{font-size:14.5px;color:var(--muted);margin:0 auto}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin-top:22px}
.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(--flame);color:#fff;font-family:'Rajdhani',sans-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:18px;margin:0 0 6px}
.step p{font-size:14.5px;color:var(--muted);margin:0 auto}
.table-wrap{overflow-x:auto;margin:20px 0 6px;border:1px solid var(--line);border-radius:var(--radius)}
.datatable{width:100%;border-collapse:collapse;min-width:520px;font-size:15px}
.datatable caption{caption-side:top;text-align:left;padding:14px 18px;font-family:'Rajdhani',sans-serif;font-weight:700;font-size:18px;color:var(--navy)}
.datatable th{background:var(--navy);color:#fff;text-align:left;padding:13px 18px;font-size:13px;letter-spacing:.05em;text-transform:uppercase}
.datatable td{padding:14px 18px;border-top:1px solid var(--line);vertical-align:top}
.datatable td:first-child{font-weight:700;color:var(--navy)}
.datatable tr:nth-child(even) td{background:#F7F9FC}
.tablenote{font-size:13.5px;color:var(--muted);margin-top:8px;font-style:italic}
.callout{background:var(--light);border-left:5px solid var(--denim);border-radius:0 var(--radius) var(--radius) 0;padding:22px 26px;margin:28px 0}
.callout h3{margin:0 0 8px;font-size:21px}
.callout .btn{margin-top:16px}
.checkcard{background:#fff;border:1px solid var(--line);border-top:5px solid var(--flame);border-radius:var(--radius);padding:22px 26px;margin:26px 0;box-shadow:var(--shadow)}
.checkcard h3{margin:0 0 10px;font-size:21px}
.checkcard ul{list-style:none;margin:0}
.checkcard li{padding:7px 0 7px 28px;position:relative;border-bottom:1px dashed var(--line)}
.checkcard li:last-child{border-bottom:0}
.checkcard li:before{content:"\2713";position:absolute;left:0;color:var(--flame);font-weight:800}
.prepgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:18px 0 6px}
.prepcard{background:#fff;border:1px solid var(--line);border-left:5px solid var(--flame);border-radius:12px;padding:18px 20px}
.prepcard h3{margin:0 0 6px;font-size:18px}
.prepcard p{font-size:15px;color:var(--muted)}
.localnote{background:#fff;border:1px solid var(--line);border-left:5px solid var(--denim);border-radius:var(--radius);padding:24px 28px;margin:30px 0;box-shadow:var(--shadow)}
.localnote h2{margin:0 0 12px;font-size:25px}
.localnote .srcline{font-size:13px;color:var(--muted);margin-top:12px;font-style:italic}
.insurepanel{background:var(--navy);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h2{font-size:26px;margin-bottom:8px;color:var(--flame-soft)}
.insurepanel p{font-size:15.5px;color:#D5DCE8;max-width:640px}
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:10px}
.areas a{background:#fff;border:1px solid var(--line);padding:16px 18px;border-radius:12px;color:var(--ink);text-decoration:none;font-weight:700}
.areas a small{display:block;color:var(--muted);font-weight:600;font-size:13px;margin-top:2px}
.areas a:hover{border-color:var(--flame);color:var(--flame-hover)}

/* faq */
.faq{margin:18px 0 0}
.faq-item{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff;overflow:hidden}
.faq-q{width:100%;text-align:left;background:#fff;border:0;padding:17px 52px 17px 20px;font:700 16.5px/1.4 'Mulish',sans-serif;color:var(--ink);cursor:pointer;position:relative}
.faq-q:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--flame);font-weight:700}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-q:hover{background:var(--light)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faq-a-inner{padding:0 20px 18px}
.faq-a-inner p{max-width:none}

/* sidecard */
.sidecard{position:sticky;top:24px;align-self:start;background:#fff;border:1px solid var(--line);border-top:6px solid var(--flame);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
.sidecard .kicker{font-size:12.5px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--flame-hover)}
.sidecard h3{font-size:24px;margin:6px 0 8px}
.sidecard p{font-size:15px;color:var(--muted);margin-bottom:16px}
.sidecard .btn{width:100%}
.sidecard ul{list-style:none;margin:18px 0 14px}
.sidecard li{padding:7px 0 7px 26px;position:relative;font-size:14.5px;font-weight:600;border-top:1px solid var(--line)}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--flame);font-weight:800}
.sidecard .sidelink{font-size:14.5px;font-weight:700}
@media(max-width:900px){.sidecard{position:static}}

/* blog */
.postmeta{color:#C9D1DE;font-size:14px;margin-bottom:6px}
.bloglist{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;display:flex;flex-direction:column}
.blogcard h2{font-size:20px;margin-bottom:8px}
.blogcard h2 a{color:var(--ink);text-decoration:none}
.blogcard h2 a:hover{color:var(--flame-hover)}
.blogcard p{font-size:14.5px;color:var(--muted)}
.blogcard .tag{font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--denim);margin-bottom:8px}

/* map */
.map-section{background:var(--light);padding:50px 0}
.map-section h2{font-size:28px;margin-bottom:6px}
.map-section p{color:var(--muted);margin-bottom:18px}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:#dfe6f1}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-inline{margin:26px 0}
.map-inline .map-wrap{padding-bottom:56%}

/* footer */
footer.site-footer{background:#fff;border-top:1px solid var(--line);padding:50px 0 34px;font-size:14.5px}
.footgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
footer h2,footer h3{font-size:17px;margin-bottom:12px;color:var(--ink)}
footer ul{list-style:none}
footer li{margin-bottom:7px}
footer a{color:var(--muted);text-decoration:none}
footer a:hover{color:var(--flame-hover)}
footer address{font-style:normal;color:var(--muted)}
footer p{color:var(--muted);max-width:none}
.footnote{margin-top:30px;padding-top:18px;border-top:1px solid var(--line);color:var(--muted);font-size:13.5px}

/* sticky call controls */
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--navy);z-index:90;padding:12px 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:800;font-size:16px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--flame);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 8px 20px rgba(196,58,22,.4);z-index:80}
.floatcall:hover{background:var(--flame-hover);color:#fff}
.legal h2{font-size:24px;margin:30px 0 10px}
.legal h2:first-child{margin-top:0}
.notfound{text-align:center;padding:90px 0}
.notfound h1{font-size:46px;margin-bottom:14px}

@media(max-width:1000px){.hero .wrap{grid-template-columns:1fr}.twocol{grid-template-columns:minmax(0,1fr)}.footgrid{grid-template-columns:1fr 1fr}}
@media(max-width:900px){.cards,.why,.steps,.bloglist,.areas{grid-template-columns:1fr 1fr}.steps:before{display:none}.insurepanel{grid-template-columns:1fr}.prepgrid{grid-template-columns:1fr}.step{margin-bottom:18px}}
@media(max-width:768px){.sticky-cta{display:block}.floatcall{display:none}body{padding-bottom:64px}.topbar-hours{display:none}.sec{padding:52px 0}.hero{padding:48px 0 52px}.map-wrap{padding-bottom:72%}}
@media(max-width:600px){.cards,.cards.two,.why,.steps,.bloglist,.areas{grid-template-columns:1fr}.footgrid{grid-template-columns:1fr}.wrap{padding:0 18px}.btn{width:100%}.cta-row .btn{width:100%}.nav-inner .logo{max-width:calc(100% - 62px)}.datatable{font-size:14px}}

.figure{margin:24px 0}.figure img{display:block;width:100%;height:auto;border-radius:var(--radius);border:1px solid var(--line)}
.blogcard{overflow:hidden}.blogcard .thumb{display:block;margin:-22px -22px 16px}.blogcard .thumb img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover}