:root{
--teal-d:#0A5252;--teal-dd:#083F3F;--teal:#0E6E6E;--cta:#C2490E;--cta-h:#A63D0A;--accent:#FFB07A;
--cream:#FFF3EA;--line:#F0DFCE;--ink:#241D18;--muted:#5E5650;--sand:#D8C9BC;--white:#fff;
--r:14px;--wrap:1180px;--hfont:'Baloo 2','Trebuchet MS',sans-serif;--bfont:'Work Sans',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
--bp:900px
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--bfont);font-size:17px;color:var(--ink);background:var(--white);line-height:1.68}
img,svg,iframe{max-width:100%}
h1,h2,h3,h4{font-family:var(--hfont);letter-spacing:-.01em;line-height:1.18;color:var(--ink)}
a{color:var(--teal)}
a:hover{color:var(--teal-d)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--teal-d);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:8px;top:8px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--cta);color:#fff;font-weight:700;font-size:17px;padding:15px 28px;text-decoration:none;border-radius:var(--r);box-shadow:0 10px 22px rgba(194,73,14,.28);line-height:1.2;text-align:center}
.btn:hover{background:var(--cta-h);color:#fff}
.btn.alt{background:var(--teal);box-shadow:0 10px 22px rgba(14,110,110,.28)}
.btn.alt:hover{background:var(--teal-d);color:#fff}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--cream);color:var(--ink)}
.btn.sm{font-size:15px;padding:11px 20px}
.btn.block{display:flex;width:100%}

/* topbar + nav */
.topbar{background:var(--teal-d);color:var(--sand);font-size:14px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar b{color:var(--accent)}
.siteheader{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.siteheader .wrap{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:18px}
.logolink{display:inline-flex;align-items:center;text-decoration:none;flex:0 0 auto}
.logolink img{display:block;height:44px;width:auto}
.mainnav{display:flex;align-items:center;gap:6px}
.mainnav ul{list-style:none}
.mainnav>ul{display:flex;align-items:center;gap:4px}
.mainnav li{position:relative}
.mainnav a.navlink,.mainnav button.navlink{display:block;color:var(--ink);text-decoration:none;font-weight:600;font-size:15px;padding:10px 12px;background:none;border:0;cursor:pointer;font-family:var(--bfont);border-radius:8px}
.mainnav a.navlink:hover,.mainnav button.navlink:hover,.mainnav li:focus-within>.navlink{color:var(--teal);background:var(--cream)}
.navlink.hasdrop:after{content:"\25BE";margin-left:5px;font-size:12px}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:280px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(36,29,24,.14);padding:8px;z-index:80;list-style:none}
.mainnav li:hover>.dropmenu,.mainnav li:focus-within>.dropmenu{display:block}
.dropmenu li a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:15px;font-weight:500}
.dropmenu li a:hover{background:var(--cream);color:var(--teal)}
.dropmenu li.dropsep{border-top:1px solid var(--line);margin-top:6px;padding-top:6px}
.navcall{margin-left:8px}
.menubtn{display:none;background:none;border:2px solid var(--line);border-radius:10px;padding:8px 12px;font-weight:700;font-family:var(--bfont);font-size:15px;color:var(--ink);cursor:pointer}
.mobilemenu{display:none;background:#fff;border-top:1px solid var(--line);padding:10px 0 18px}
.mobilemenu.open{display:block}
.mobilemenu ul{list-style:none}
.mobilemenu li a{display:block;padding:12px 24px;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.mobilemenu .mhead{padding:14px 24px 4px;font-family:var(--hfont);font-weight:700;color:var(--teal-d);font-size:15px;text-transform:uppercase;letter-spacing:.08em}
.mobilemenu .mcall{padding:16px 24px 0}

/* breadcrumbs */
.crumbs{background:var(--cream);border-bottom:1px solid var(--line);font-size:14px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:10px 0}
.crumbs li+li:before{content:"/";color:var(--muted);margin-right:6px}
.crumbs a{color:var(--teal-d);text-decoration:none;font-weight:600}
.crumbs li[aria-current]{color:var(--muted)}

/* heroes + page heads */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden;color:#fff;background:linear-gradient(135deg,var(--teal-dd) 0%,var(--teal-d) 55%,var(--teal) 100%)}
.hero{padding:72px 0}
.pagehead{padding:56px 0 52px}
.hero.has-hero:before,.pagehead.has-hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(8,63,63,.92) 0%,rgba(8,63,63,.78) 55%,rgba(8,63,63,.55) 100%)}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.hero h1,.pagehead h1{color:#fff}
.hero h1{font-size:clamp(32px,4.2vw,46px);margin-bottom:16px}
.hero h1 span{color:var(--accent)}
.pagehead h1{font-size:clamp(28px,3.6vw,38px);max-width:860px;margin-bottom:12px}
.hero p.lead,.pagehead p.lead{color:#EADFD4;font-size:18px;max-width:640px;margin-bottom:22px}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--cream);color:var(--teal-d);font-weight:700;font-size:14px;padding:8px 16px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:10px;height:10px;border-radius:50%;background:var(--cta)}
.badge.badge-alt{background:var(--accent);color:var(--teal-dd)}
.badge.badge-alt:before{background:var(--teal-dd)}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:10px 22px;flex-wrap:wrap;font-size:15px;font-weight:600;color:#EADFD4;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--accent)}
.zips{display:flex;flex-wrap:wrap;gap:8px;margin:6px 0 18px}
.zip-chip{display:inline-block;background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.35);color:#fff;font-weight:700;font-size:14px;padding:5px 14px;border-radius:100px}
.statpanel{background:rgba(8,63,63,.88);border:1px solid rgba(255,255,255,.18);color:#fff;border-radius:var(--r);padding:28px}
.statpanel h2{font-size:20px;color:var(--accent);margin-bottom:14px}
.statpanel ol{list-style:none;counter-reset:s}
.statpanel li{counter-increment:s;display:grid;grid-template-columns:34px 1fr;gap:10px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:15.5px;line-height:1.5}
.statpanel li:last-child{border-bottom:0}
.statpanel li:before{content:counter(s);width:30px;height:30px;border-radius:50%;background:var(--cta);color:#fff;font-weight:700;display:flex;align-items:center;justify-content:center;font-family:var(--hfont)}

/* strips + bands */
.strip{background:var(--cream);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip ul{list-style:none;display:flex;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:10px 20px}
.strip li{display:flex;align-items:center;gap:9px;font-weight:700;font-size:15px}
.strip .ic{color:var(--teal);font-size:19px}
.emergency{background:var(--cta);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:24px;color:#fff}
.emergency p{font-size:15px;color:#fff}
.emergency .btn{background:var(--teal-d);box-shadow:none}
.emergency .btn:hover{background:var(--teal-dd)}
.ctaband{background:var(--teal-d);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(--sand);max-width:680px}

/* sections */
.sec{padding:72px 0;background:#fff}
.sec.tint{background:var(--cream)}
.kick{color:var(--teal-d);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2{font-size:34px;margin:10px 0 22px}
.prose h2{margin-top:38px}
.prose h3{margin-top:26px}
.sec h3{font-size:22px;margin:30px 0 10px}
.sec h4{font-size:18px;margin:18px 0 6px}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main p+h2,main p+h3{margin-top:30px}
.sec p,.sec li{color:#352D27}
.prose a,.prose p,.sitefooter p,.sitefooter a{overflow-wrap:anywhere}
.prose ul,.prose ol{margin:14px 0 14px 24px}
.prose li{margin-bottom:8px}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--teal-d);color:#fff;border-radius:16px;padding:26px;box-shadow:0 18px 40px rgba(8,63,63,.22)}
.sidecard .kick{color:var(--accent)}
.sidecard h2,.sidecard h3{color:#fff;font-size:22px;margin:8px 0 10px}
.sidecard p{color:var(--sand);font-size:15px}
.sidecard ul{list-style:none;margin:16px 0}
.sidecard li{color:#fff;font-size:15px;padding:7px 0 7px 26px;position:relative;border-bottom:1px solid rgba(255,255,255,.12);margin:0}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:var(--accent);font-weight:700}
.sidecard li:last-child{border-bottom:0}
.sidecard a.sidelink{color:var(--accent);font-weight:700;font-size:15px;display:inline-block;margin-top:6px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.card .cthumb{display:block;width:calc(100% + 52px);margin:-26px -26px 18px;max-width:none;aspect-ratio:16/9;object-fit:cover;border-radius:var(--r) var(--r) 0 0}
.card .ic{width:50px;height:50px;background:var(--cream);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{font-size:19px;margin:0 0 8px}
.card p{font-size:15.5px;color:var(--muted);margin-bottom:12px}
.card a.more{color:var(--teal);font-weight:700;font-size:15px;text-decoration:none}
.card.tintcard{background:var(--cream);border-color:var(--line)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:var(--r);padding:24px;border:1px solid var(--line)}
.whycard .num{width:44px;height:44px;background:var(--teal);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--hfont);font-weight:700;margin-bottom:14px;font-size:18px}
.whycard h3{font-size:18px;margin:0 0 6px}
.whycard p{font-size:15.5px;color:var(--muted)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;list-style:none}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.step .n{width:46px;height:46px;border-radius:50%;background:var(--cta);color:#fff;font-family:var(--hfont);font-weight:700;font-size:20px;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.step h3{font-size:18px;margin:0 0 6px}
.step p{font-size:15.5px;color:var(--muted)}
.prepcards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:18px 0}
.prepcard{background:var(--cream);border:1px solid var(--line);border-left:5px solid var(--cta);border-radius:12px;padding:18px 20px}
.prepcard h3,.prepcard h4{font-size:17px;margin:0 0 6px}
.prepcard p{font-size:15.5px}
.safety{background:#FFF8F2;border:2px solid var(--cta);border-radius:var(--r);padding:20px 24px;margin:22px 0}
.safety h3,.safety h4{margin:0 0 8px;color:var(--cta-h);font-size:19px}
.localnote{background:var(--cream);border:1px solid var(--line);border-left:5px solid var(--teal);border-radius:12px;padding:22px 26px;margin:28px 0}
.localnote h2,.localnote h3{margin:0 0 10px;font-size:22px}
.localnote .src{font-size:14px;color:var(--muted)}

/* tables */
.tablewrap{overflow-x:auto;margin:20px 0;border:1px solid var(--line);border-radius:var(--r)}
table.dtable{width:100%;border-collapse:collapse;font-size:15.5px;min-width:560px}
.dtable th{background:var(--teal-d);color:#fff;text-align:left;padding:13px 16px;font-size:14px;text-transform:uppercase;letter-spacing:.04em}
.dtable td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top;color:#352D27}
.dtable tr:nth-child(even) td{background:#FFFAF5}
.dtable td:first-child{font-weight:700;color:var(--teal-d)}

/* insurance panel */
.insurepanel{background:var(--teal-d);color:#fff;border-radius:16px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h2,.insurepanel h3{color:var(--accent);font-size:26px;margin:0 0 8px}
.insurepanel p{font-size:16px;color:var(--sand);max-width:620px}

/* faq */
.faq{margin:18px 0}
.faqitem{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff;overflow:hidden}
.faqq{width:100%;text-align:left;background:#fff;border:0;padding:16px 20px;font-family:var(--hfont);font-weight:700;font-size:18px;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;gap:14px;align-items:center;line-height:1.3}
.faqq:after{content:"+";font-size:24px;color:var(--teal);flex:0 0 auto}
.faqq[aria-expanded="true"]:after{content:"\2212"}
.faqq:hover{background:var(--cream)}
.faqa{max-height:0;overflow:hidden;transition:max-height .25s ease}
.faqa .inner{padding:0 20px 18px}
.faqa p{font-size:16px}
.faqitem.open .faqa{max-height:900px}

/* area grids */
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;list-style:none}
.areas a{display:block;background:#fff;border:1px solid var(--line);padding:14px 16px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:700;font-size:16px;text-align:center}
.areas a:hover{background:var(--cream);color:var(--teal)}
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.blogcard{border:1px solid var(--line);border-radius:var(--r);overflow:hidden;background:#fff;display:flex;flex-direction:column}
.blogcard .bcimg{height:96px;background:linear-gradient(135deg,var(--teal-dd),var(--teal))}
.blogcard .bcimg.warm{background:linear-gradient(135deg,#8A3408,var(--cta))}
.blogcard .bcphoto{display:block;aspect-ratio:16/9;background:var(--teal-d);overflow:hidden}
.blogcard .bcphoto img{width:100%;height:100%;object-fit:cover;display:block}
.blogcard .bcbody{padding:20px}
.blogcard h2,.blogcard h3{font-size:19px;margin:0 0 8px}
.blogcard h2 a,.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard p{font-size:15px;color:var(--muted)}
.meta{font-size:14px;color:var(--muted);margin-bottom:14px}

/* map */
.mapsec{background:var(--cream);padding:48px 0;border-top:1px solid var(--line)}
.mapsec h2{font-size:28px;margin:0 0 8px}
.mapsec p{margin-bottom:16px;color:var(--muted)}
.mapframe{width:100%;height:380px;border:0;border-radius:var(--r);background:var(--line);display:block}

/* footer */
.sitefooter{background:var(--teal-dd);color:var(--sand);padding:54px 0 30px;font-size:15.5px}
.sitefooter .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:34px}
.sitefooter h2{color:#fff;font-size:18px;margin-bottom:12px}
.sitefooter a{color:var(--sand);text-decoration:none;display:block;margin-bottom:8px}
.sitefooter a:hover{color:#fff;text-decoration:underline}
.sitefooter p{color:var(--sand);margin-bottom:8px}
.sitefooter .flogo{display:block;margin-bottom:14px}
.sitefooter .flogo img{height:44px;width:auto;display:block}
.sitefooter address{font-style:normal;margin-bottom:8px}
.sitefooter a.fcall{color:#fff;font-weight:700;font-size:20px}
.footbase{background:var(--teal-dd);color:var(--sand);border-top:1px solid rgba(255,255,255,.14);padding:18px 0 90px;font-size:14px}
.footbase .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}

/* sticky call: circle on desktop, full-width bar on mobile */
.stickycall{position:fixed;right:22px;bottom:22px;width:58px;height:58px;border-radius:50%;background:var(--cta);color:#fff;display:flex;align-items:center;justify-content:center;font-size:26px;text-decoration:none;box-shadow:0 10px 24px rgba(194,73,14,.4);z-index:90;font-weight:700}
.stickycall:hover{background:var(--cta-h);color:#fff}
.stickycall .sct{display:none}
.midcta{background:var(--cream);border:1px solid var(--line);border-radius:var(--r);padding:24px 26px;margin:28px 0;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.midcta h3,.midcta h2{margin:0 0 4px;font-size:21px}
.midcta p{margin:0;font-size:16px}
/* article */
.article-meta{font-size:15px;color:#EADFD4;margin:6px 0 22px}
.toc{background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:16px 22px;margin:22px 0}
.toc h2{font-size:18px;margin:0 0 8px}
.toc ol{margin-left:20px}
.toc li{margin-bottom:4px;font-size:16px}
.notfound{text-align:center;padding:90px 0}
.notfound h1{font-size:clamp(32px,5vw,46px);margin-bottom:12px}

@media(max-width:900px){
.twocol{grid-template-columns:minmax(0,1fr)}
.sidecard{position:static}
.hero .wrap{grid-template-columns:minmax(0,1fr)}
.cards,.bloggrid{grid-template-columns:repeat(2,minmax(0,1fr))}
.why,.steps{grid-template-columns:repeat(2,minmax(0,1fr))}
.areas{grid-template-columns:repeat(2,minmax(0,1fr))}
.insurepanel{grid-template-columns:minmax(0,1fr)}
.prepcards{grid-template-columns:minmax(0,1fr)}
.sitefooter .wrap{grid-template-columns:repeat(2,minmax(0,1fr))}
.mainnav{display:none}
.menubtn{display:block}
.sec{padding:52px 0}
.sec h2{font-size:29px}
.stickycall{left:0;right:0;bottom:0;width:auto;height:auto;border-radius:0;background:var(--teal-d);padding:14px 16px;font-size:17px;box-shadow:0 -6px 20px rgba(0,0,0,.18);gap:10px}
.stickycall:hover{background:var(--teal-dd)}
.stickycall .sct{display:inline}
body{padding-bottom:64px}
.footbase{padding-bottom:30px}
}
@media(max-width:600px){
body{font-size:16.5px}
.cards,.bloggrid,.why,.steps,.sitefooter .wrap{grid-template-columns:minmax(0,1fr)}
.areas{grid-template-columns:repeat(2,minmax(0,1fr))}
.wrap{padding:0 18px}
.topbar .wrap{flex-direction:column;gap:2px}
.strip ul{flex-direction:column}
.ctaband h2{font-size:30px}
.hero{padding:48px 0}
.pagehead{padding:40px 0 36px}
.logolink img{height:38px}
.btn{width:100%}
.cta-row .btn{width:100%}
}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.prose .lede{font-size:19px;color:var(--ink)}
.hero .badge{margin-bottom:18px}
.areas.wide{grid-template-columns:repeat(5,1fr)}
@media(max-width:900px){.areas.wide{grid-template-columns:1fr 1fr}}
.faqh{margin:0;font-size:inherit}
.sec .faqh{margin:0}

.hamburger{line-height:1.2}
.mobile-menu{box-shadow:0 12px 24px rgba(36,29,24,.08)}
.sticky-call{letter-spacing:.01em}

.pic{margin:26px 0}
.pic img{display:block;width:100%;height:auto;border-radius:var(--r);border:1px solid var(--line)}