:root{--deep:#0A3D52;--deep-d:#072B3A;--aqua:#1FADC7;--aqua-l:#5CC8DC;--accent:#0E7490;--accent-d:#155E75;--gray:#4A565F;--line:#D9E6EA;--tint:#E7F6F9;--tint-2:#F3FAFC;--bg:#FFFFFF;--ink:#0F2530;--warn:#8A4B00;--warn-bg:#FFF4E0;--radius:16px;--shadow:0 10px 28px rgba(10,61,82,.10);--shadow-lg:0 18px 44px rgba(10,61,82,.14);--font-head:'Poppins',system-ui,sans-serif;--font-body:'Inter',system-ui,sans-serif;--container:1180px;--trans:.2s ease}
*,*:before,*:after{box-sizing:border-box}
html{scroll-padding-top:90px;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-body);font-size:16.5px;line-height:1.7;color:var(--ink);background:var(--bg)}
img,svg{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.01em;line-height:1.2;margin:0;color:var(--ink)}
h1{font-size:clamp(1.9rem,4.2vw,2.9rem)}
h2{font-size:clamp(1.5rem,3vw,2.15rem)}
h3{font-size:clamp(1.1rem,2vw,1.35rem)}
p{margin:0}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
a{color:var(--accent)}
a:hover{color:var(--accent-d)}
ul,ol{margin:0;padding:0}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--deep);color:#fff;padding:10px 16px;border-radius:8px;z-index:10000}
.skip-link:focus{left:8px}
.wrap{max-width:var(--container);margin:0 auto;padding:0 24px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--accent);color:#fff;font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:100px;box-shadow:0 10px 22px rgba(14,116,144,.28);border:2px solid transparent;transition:background var(--trans),transform var(--trans);line-height:1.2;text-align:center}
.btn:hover{background:var(--accent-d);color:#fff}
.btn-deep{background:var(--deep)}
.btn-deep:hover{background:var(--deep-d);color:#fff}
.btn-light{background:#fff;color:var(--deep);box-shadow:none}
.btn-light:hover{background:var(--tint);color:var(--deep)}
.btn-ghost{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:none}
.btn-ghost:hover{background:var(--tint);color:var(--ink)}
.btn-block{width:100%}
/* topbar */
.topbar{background:var(--deep-d);color:#C9E1E8;font-size:13.5px;padding:9px 0}
.topbar-inner{display:flex;justify-content:space-between;gap:16px;align-items:center}
.topbar a{color:var(--aqua-l);font-weight:700;text-decoration:none}
.topbar a:hover{color:#fff}
.topbar-areas{min-width:0}
/* nav */
header.site-header{position:sticky;top:0;z-index:100;background:#fff;box-shadow:0 1px 0 var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.logo{display:flex;align-items:center;flex-shrink:1;min-width:0;text-decoration:none}
.logo img{display:block;width:auto;height:44px;max-width:100%}
.nav-links{display:flex;align-items:center;gap:22px;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;white-space:nowrap}
.nav-links a:hover{color:var(--accent)}
.nav-links .nav-cta{color:#fff;padding:11px 20px;font-size:14px}
.nav-links .nav-cta:hover{color:#fff}
.has-dropdown{position:relative}
.dd-arrow{font-size:11px}
.dropdown{position:absolute;top:100%;left:-12px;min-width:270px;padding:8px 0;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity var(--trans),visibility var(--trans),transform var(--trans);z-index:1000}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown a{display:block;padding:9px 18px;font-size:14.5px}
.dropdown a:hover{background:var(--tint)}
.dropdown .dd-all a{border-top:1px solid var(--line);margin-top:6px;padding-top:12px;color:var(--accent)}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:44px;min-height:44px;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:2px;background:var(--deep);border-radius:2px;transition:transform var(--trans),opacity var(--trans)}
.hamburger[aria-expanded="true"] span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger[aria-expanded="true"] span:nth-child(2){opacity:0}
.hamburger[aria-expanded="true"] span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(330px,88vw);background:#fff;z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:20px 22px 40px;box-shadow:var(--shadow-lg)}
.mob-drawer[hidden]{display:block;transform:translateX(100%);visibility:hidden}
.mob-drawer:not([hidden]){transform:translateX(0);visibility:visible}
.drawer-close{position:absolute;top:10px;right:10px;min-width:44px;min-height:44px;border:0;background:none;font-size:24px;cursor:pointer;color:var(--deep)}
.mob-drawer ul{list-style:none;margin:44px 0 0;padding:0}
.mob-drawer li a{display:block;padding:12px 0;font-weight:600;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.mob-drawer .drawer-label{display:block;margin-top:18px;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--gray);font-weight:700}
.mob-overlay{position:fixed;inset:0;background:rgba(7,43,58,.55);z-index:9998;opacity:0;visibility:hidden;transition:opacity var(--trans),visibility var(--trans)}
.mob-overlay.visible{opacity:1;visibility:visible}
/* hero (home) */
.hero{position:relative;isolation:isolate;background:linear-gradient(180deg,#fff 0%,#fff 62%,var(--tint) 100%);padding:64px 0 0;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding-bottom:50px}
.badge{display:inline-flex;align-items:center;gap:8px;background:var(--tint);color:var(--accent-d);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(--accent);box-shadow:0 0 0 4px rgba(14,116,144,.2)}
.badge-alt{background:var(--deep);color:#fff}
.badge-alt:before{background:var(--aqua-l);box-shadow:0 0 0 4px rgba(92,200,220,.3)}
.hero h1{margin-bottom:16px}
.hero h1 span{color:var(--accent)}
.hero .lede{color:var(--gray);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 20px;flex-wrap:wrap;color:var(--gray);font-size:14px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--accent)}
.hero.has-hero{background:var(--deep-d);padding-bottom:0}
.hero.has-hero h1,.hero.has-hero .lede,.hero.has-hero .trustrow{color:#fff}
.hero.has-hero h1 span{color:var(--aqua-l)}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero.has-hero:before,.pagehead.has-hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(7,43,58,.92) 0%,rgba(7,43,58,.74) 55%,rgba(7,43,58,.45) 100%)}
/* gauge */
.gauge{background:var(--deep);border-radius:20px;padding:28px;color:#fff;box-shadow:var(--shadow-lg)}
.gauge h2{font-size:15px;color:#C9E1E8;margin-bottom:6px;font-weight:600;letter-spacing:.04em;text-transform:uppercase;color:#C9E1E8}
.gauge .gsub{font-size:14px;color:#C9E1E8;margin-bottom:18px}
.gauge-rows{list-style:none;display:grid;gap:0}
.gauge-row{display:grid;grid-template-columns:34px 1fr;gap:14px;padding:13px 0;border-top:1px solid rgba(255,255,255,.14);align-items:start}
.gauge-mark{width:34px;height:34px;border-radius:50%;background:var(--aqua-l);color:var(--deep-d);font-weight:800;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-size:14px}
.gauge-row b{display:block;font-family:var(--font-head);font-size:15px;color:#fff}
.gauge-row span.gdesc{display:block;font-size:13.5px;color:#C9E1E8;line-height:1.5}
.wavediv{height:60px;background:var(--tint)}
.wavediv svg{display:block;width:100%;height:60px}
.strip{background:var(--tint);padding:18px 0}
.strip-inner{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px 24px;list-style:none}
.strip-inner li{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px;color:var(--deep)}
.strip-inner .ic{color:var(--accent);font-size:18px}
/* bands */
.emergency{background:var(--accent-d);color:#fff;padding:24px 0}
.emergency-inner{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:#E5F4F8;margin-top:4px}
.sec{padding:clamp(3rem,6vw,4.75rem) 0;background:#fff}
.sec-tint{background:var(--tint)}
.kick{color:var(--accent);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase;display:block}
.sec-head{margin-bottom:30px;max-width:780px}
.sec-head h2{margin-top:8px}
.sec-head p{color:var(--gray);margin-top:12px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.card .ic{width:50px;height:50px;background:var(--tint);border-radius:14px;display:flex;align-items:center;justify-content:center;font-size:23px;margin-bottom:14px}
.card h3{margin-bottom:8px}
.card h3 a{color:var(--ink);text-decoration:none}
.card h3 a:hover{color:var(--accent)}
.card p{font-size:15px;color:var(--gray)}
.card p+p{margin-top:10px}
.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(--deep);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-bottom:6px}
.whycard p{font-size:14.5px;color:var(--gray)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;list-style:none;counter-reset:none}
.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(--accent);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-bottom:6px}
.step p{font-size:14.5px;color:var(--gray)}
.steps-3{grid-template-columns:repeat(3,1fr)}
.steps-5{grid-template-columns:repeat(5,1fr)}
/* scope gauges (qualitative, no prices) */
.scopegauges{display:grid;gap:14px}
.sgauge{border:1px solid var(--line);border-radius:14px;padding:18px 22px;background:#fff}
.sgauge-top{display:flex;justify-content:space-between;gap:12px;margin-bottom:10px;align-items:baseline}
.sgauge-top h3{font-size:16px}
.sgauge-top b{font-family:var(--font-head);color:var(--accent);font-size:14px;text-align:right}
.sgbar{background:#EAF3F5;border-radius:100px;height:9px;overflow:hidden}
.sgfill{background:var(--accent);height:100%;border-radius:100px}
.sgfill-w1{width:25%}.sgfill-w2{width:45%}.sgfill-w3{width:60%}.sgfill-w4{width:80%}.sgfill-w5{width:95%}
.sgauge p{font-size:14.5px;color:var(--gray);margin-top:10px}
.gaugenote{font-size:13.5px;color:var(--gray);margin-top:14px;font-style:italic}
/* insurance panel */
.insurepanel{background:var(--deep);color:#fff;border-radius:20px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h2,.insurepanel h3{color:#fff;font-size:24px;margin-bottom:8px}
.insurepanel p{font-size:15px;color:#D5E8EE;max-width:560px}
.insurepanel p+p{margin-top:10px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.areas a{background:#fff;border:2px solid var(--line);padding:14px;border-radius:14px;color:var(--ink);text-decoration:none;font-weight:700;font-size:14px;text-align:center}
.areas a:hover{border-color:var(--accent)}
.ctaband{background:var(--deep-d);color:#fff;padding:clamp(2.75rem,5vw,3.75rem) 0;text-align:center}
.ctaband h2{font-size:clamp(1.6rem,3.6vw,2.4rem);margin-bottom:10px;color:#fff}
.ctaband p{font-size:17px;color:#D5E8EE;margin:0 auto 24px;max-width:640px}
.ctaband .btn{background:var(--aqua-l);color:var(--deep-d);box-shadow:none}
.ctaband .btn:hover{background:#fff;color:var(--deep-d)}
/* page head (inner) */
.pagehead{position:relative;isolation:isolate;background:linear-gradient(135deg,var(--tint) 0%,#fff 100%);padding:52px 0;overflow:hidden}
.pagehead-grad{background:linear-gradient(135deg,#DDF1F6 0%,#F3FAFC 60%,#fff 100%)}
.pagehead-inner{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center}
.crumb{color:var(--gray);font-size:13.5px;margin-bottom:12px;list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumb li+li:before{content:"/\00a0";color:var(--gray)}
.crumb a{color:var(--accent);text-decoration:none}
.pagehead h1{margin-bottom:12px}
.pagehead .lede{color:var(--gray);max-width:640px;font-size:17px}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap;list-style:none}
.chip{background:#fff;border:1px solid var(--line);color:var(--accent-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:16px}
.zip-chip{background:var(--deep);color:#fff;border-radius:100px;padding:6px 14px;font-weight:700;font-size:13px;letter-spacing:.02em}
.zip-label{display:block;font-size:12px;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--gray);margin-top:16px}
.herocall{background:var(--deep);color:#fff;border-radius:16px;padding:24px;text-align:center;min-width:250px}
.herocall .lbl{color:#C9E1E8;font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.herocall .num{display:block;font-family:var(--font-head);font-weight:700;font-size:24px;color:var(--aqua-l);margin:6px 0 12px;text-decoration:none}
.pagehead.has-hero{background:var(--deep-d);color:#fff}
.pagehead.has-hero h1,.pagehead.has-hero .lede,.pagehead.has-hero .crumb,.pagehead.has-hero .crumb a{color:#fff}
.pagehead.has-hero .chip{background:rgba(255,255,255,.12);color:#fff;border-color:rgba(255,255,255,.35)}
/* content layouts */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:40px;align-items:start}
.article{min-width:0}
.article>section+section,.article>.midcta,.article>.midcta+section,.article>section+.midcta{margin-top:40px}
.article h2{margin-bottom:0}
.article h3{margin:22px 0 0}
.article ul.plain,.article ol.plain{margin:14px 0 0 22px}
.article ul.plain li,.article ol.plain li{margin-top:6px}
.sidecard{background:#fff;border:2px solid var(--line);border-radius:18px;padding:26px;position:sticky;top:96px;align-self:start}
.sidecard .kick{margin-bottom:6px}
.sidecard h2,.sidecard h3{font-size:19px;margin-bottom:8px}
.sidecard p{color:var(--gray);font-size:14.5px;margin-bottom:14px}
.sidecard ul{list-style:none;margin-top:14px;border-top:1px solid var(--line);padding-top:12px}
.sidecard li{font-size:14.5px;padding:5px 0}
.sidecard li:before{content:"\2713\00a0";color:var(--accent);font-weight:700}
.sidecard .side-link{display:block;margin-top:12px;font-size:14.5px;font-weight:700}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:20px}
.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)}
.sign p+p{margin-top:8px}
.callout-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px 30px 28px 34px;box-shadow:var(--shadow);margin-top:20px;overflow:hidden}
.callout-card:before{content:"";position:absolute;top:0;left:0;bottom:0;width:6px;background:linear-gradient(180deg,var(--aqua),var(--deep))}
.callout-card h3{margin:0 0 10px}
.icon-list{list-style:none;display:grid;gap:12px;margin-top:6px}
.icon-list li{display:flex;gap:12px;align-items:flex-start;font-size:15.5px}
.icon-list .ico{flex:none;width:26px;height:26px;border-radius:50%;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13px;margin-top:1px}
.insight-card{position:relative;background:var(--tint);border:1px solid var(--line);border-radius:18px;padding:26px 28px 26px 32px;margin-top:20px}
.insight-card:before{content:"";position:absolute;top:20px;bottom:20px;left:0;width:5px;border-radius:0 4px 4px 0;background:var(--deep)}
.insight-card h3{margin:0 0 8px}
.warn-card{position:relative;background:var(--warn-bg);border:1px solid #F0D49A;border-radius:18px;padding:26px 28px 26px 32px;margin-top:20px}
.warn-card:before{content:"";position:absolute;top:20px;bottom:20px;left:0;width:5px;border-radius:0 4px 4px 0;background:#B86B00}
.warn-card h3{margin:0 0 8px;color:#5C3300}
.warn-card p,.warn-card li{color:#4A2A00}
.prep{display:grid;grid-template-columns:repeat(2,1fr);gap:14px;margin-top:20px}
.prep-card{background:#fff;border:2px solid var(--line);border-top:5px solid var(--accent);border-radius:14px;padding:18px 20px}
.prep-card h3{font-size:16.5px;margin:0 0 6px}
.prep-card p{font-size:15px;color:var(--gray)}
.table-wrap{overflow-x:auto;margin-top:20px;border:1px solid var(--line);border-radius:14px;background:#fff}
.table-wrap table{width:100%;border-collapse:collapse;font-size:15px;min-width:540px}
.table-wrap caption{caption-side:top;text-align:left;font-weight:700;padding:14px 16px 4px;font-family:var(--font-head);font-size:15px}
.table-wrap th{background:var(--deep);color:#fff;text-align:left;padding:12px 14px;font-size:14px}
.table-wrap td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top;color:var(--ink)}
.table-wrap tr:nth-child(even) td{background:var(--tint-2)}
.midcta{background:var(--accent-d);border-radius:16px;color:#fff;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.midcta h2,.midcta h3{font-size:21px;color:#fff;margin:0}
.midcta p{font-size:15px;color:#E5F4F8;margin-top:4px}
.midcta .btn{background:var(--deep);box-shadow:none}
.midcta .btn:hover{background:var(--deep-d)}
.localnote{background:var(--tint);border:1px solid var(--line);border-radius:18px;padding:26px 28px}
.localnote h2{font-size:clamp(1.3rem,2.4vw,1.7rem)}
.faq{margin-top:18px;border-top:1px solid var(--line)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{display:flex;justify-content:space-between;align-items:center;gap:16px;width:100%;text-align:left;background:none;border:0;padding:17px 0;font:600 16.5px/1.4 var(--font-head);color:var(--ink);cursor:pointer}
.faq-q:after{content:"+";font-size:24px;color:var(--accent);flex:none;line-height:1}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
.faq-item.open .faq-a{max-height:1400px}
.faq-a-inner{padding:0 0 18px;color:var(--gray);font-size:15.5px}
.faq-a-inner p+p{margin-top:10px}
.byline{font-size:14px;color:var(--gray);margin-top:10px}
/* map */
.map-sec{padding:clamp(2.5rem,5vw,3.5rem) 0;background:var(--tint-2)}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:16px;overflow:hidden;border:1px solid var(--line);margin-top:20px}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-wrap-sm{padding-bottom:50%}
/* blog index / cards */
.postgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.postcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.postcard .kick{margin-bottom:8px}
.postcard h2,.postcard h3{font-size:18px;margin-bottom:8px}
.postcard h2 a,.postcard h3 a{color:var(--ink);text-decoration:none}
.postcard h2 a:hover,.postcard h3 a:hover{color:var(--accent)}
.postcard p{font-size:15px;color:var(--gray)}
.hubgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
/* footer */
footer.site-footer{background:var(--deep-d);color:#C9E1E8;padding:52px 0 28px;font-size:14.5px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:32px}
.footer-grid h3{color:#fff;font-size:16px;margin-bottom:12px}
.footer-grid a{color:#C9E1E8;text-decoration:none;display:block;margin-bottom:7px}
.footer-grid a:hover{color:#fff;text-decoration:underline}
.footer-brand img{display:block;height:44px;width:auto;margin-bottom:14px}
.footer-grid address{font-style:normal;line-height:1.6}
.footer-grid .footer-phone{color:var(--aqua-l);font-weight:700;font-size:17px}
.footer-bottom{margin-top:32px;padding-top:20px;border-top:1px solid rgba(255,255,255,.16);display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:13.5px;color:#C9E1E8}
.footer-bottom a{display:inline;color:#C9E1E8;margin-left:14px}
/* sticky call */
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--deep);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:700;font-size:16px;text-decoration:none;min-height:44px}
.floatcall{position:fixed;right:24px;bottom:24px;width:56px;height:56px;border-radius:50%;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(14,116,144,.4);z-index:90;transition:opacity var(--trans),visibility var(--trans)}
.floatcall:hover{background:var(--accent-d);color:#fff}
.floatcall.hide{opacity:0;visibility:hidden}
/* utility */
.center{text-align:center}
.narrow{max-width:760px}
.mt-20{margin-top:20px}
.legal h2{margin-top:30px;font-size:1.35rem}
.legal ul{margin:12px 0 0 22px}
.legal li{margin-top:6px}
.notfound{padding:90px 0;text-align:center}
.notfound h1{margin-bottom:14px}
.notfound p{color:var(--gray);margin-bottom:24px}
/* responsive */
@media(max-width:1100px){.nav-links{gap:16px}.nav-links a{font-size:14px}}
@media(max-width:900px){.hero-grid,.twocol,.boxgrid,.insurepanel,.pagehead-inner{grid-template-columns:1fr}.cards,.why,.postgrid{grid-template-columns:1fr 1fr}.steps,.steps-3,.steps-5{grid-template-columns:1fr 1fr;row-gap:24px}.steps:before{display:none}.areas{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.sidecard{position:static}.prep{grid-template-columns:1fr}.hubgrid{grid-template-columns:1fr}.map-wrap{padding-bottom:60%}}
@media(max-width:768px){.nav-links{display:none}.hamburger{display:flex}.sticky-cta{display:block}body{padding-bottom:70px}.floatcall{display:none}.topbar-areas{display:none}.topbar-inner{justify-content:center}.logo img{height:38px}}
@media(max-width:600px){.cards,.why,.postgrid,.steps,.steps-3,.steps-5,.areas,.footer-grid{grid-template-columns:1fr}.wrap{padding:0 18px}.cta-row .btn{width:100%}.midcta{padding:22px}.map-wrap{padding-bottom:85%}.hero{padding-top:40px}.gauge{padding:22px}}
.article p,.article li,.callout p,.footer-grid address{overflow-wrap:anywhere}

.card-img,.postcard>.card-img{display:block;width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;border-radius:10px;margin-bottom:14px}
.postcard>.card-img{margin:-8px 0 14px}
.figure{margin:28px 0}
.figure img{display:block;width:100%;height:auto;border-radius:var(--radius);box-shadow:var(--shadow)}
.pagehead.has-hero .byline{color:#E3F1F5}
.postcard>.card-img{width:calc(100% + 48px);max-width:none;margin:-24px -24px 16px;border-radius:var(--radius) var(--radius) 0 0}
.postcard{overflow:hidden}