:root{--graph:#232830;--graph-d:#161A20;--graph-m:#2E3541;--crimson:#D6293E;--crimson-d:#B01F31;--gray:#575F6B;--line:#E4E6EA;--bg:#FFFFFF;--soft:#F7F7F8;--tint:#FCEBEC;--ink:#1A1D23;--r:14px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:16px}
h1,h2,h3,h4{font-family:'Sora','Inter',system-ui,sans-serif;letter-spacing:-.02em;line-height:1.2}
img{max-width:100%;height:auto;display:block}
a{color:var(--crimson-d)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--crimson);color:#fff;padding:10px 16px;border-radius:8px;z-index:100;font-weight:700}
.skip-link:focus{left:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--crimson-d);color:#fff;font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:10px;box-shadow:0 10px 22px rgba(214,41,62,.28);border:2px solid transparent;font-family:inherit;cursor:pointer}
.btn:hover{background:#8F1827}
.btn.graph{background:var(--graph)}
.btn.graph:hover{background:var(--graph-d)}
.btn.ghost{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:none}
.btn.ghost:hover{background:var(--tint)}
.btn.block{width:100%}
.btn.sm{font-size:14px;padding:11px 20px}
/* topbar + header */
.topbar{background:var(--graph-d);color:#C3C8D1;font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar b{color:#FF8A98}
header.site-header{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:40}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px}
.logo-link{display:flex;align-items:center;text-decoration:none;flex:0 0 auto}
.logo-link img{height:42px;width:auto}
.nav-links{list-style:none;display:flex;align-items:center;gap:6px}
.nav-links>li{position:relative}
.nav-links>li>a{display:block;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;border-radius:8px}
.nav-links>li>a:hover,.nav-links>li:focus-within>a{color:var(--crimson-d);background:var(--soft)}
.nav-links>li>a.btn{color:#fff;padding:11px 20px;margin-left:6px}
.nav-links>li>a.btn:hover{background:#8F1827;color:#fff}
.dropmenu{list-style:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(22,26,32,.18);padding:10px;display:none;z-index:60}
.dropmenu.wide{min-width:640px;columns:2;column-gap:14px}
.dropmenu.wide li{break-inside:avoid}
.has-drop:hover>.dropmenu,.has-drop:focus-within>.dropmenu{display:block}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:7px 10px;color:var(--ink);text-decoration:none;font-size:14px;border-radius:8px}
.dropmenu a:hover{background:var(--tint);color:var(--crimson-d)}
.dropmenu .dm-h{font:700 11.5px 'Inter',sans-serif;letter-spacing:.08em;text-transform:uppercase;color:var(--gray);padding:8px 10px 3px}
.hamburger{display:none;background:var(--graph);border:0;border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.hamburger span{display:block;width:22px;height:2.5px;background:#fff;border-radius:2px}
.mob-overlay{display:none;position:fixed;inset:0;background:rgba(22,26,32,.55);z-index:90}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(88vw,360px);background:#fff;z-index:95;transform:translateX(105%);transition:transform .25s ease;overflow-y:auto;padding:18px 20px 90px;visibility:hidden}
.mob-drawer.open{transform:none;visibility:visible}
.mob-overlay.open{display:block}
.mob-close{background:var(--soft);border:0;border-radius:10px;width:44px;height:44px;font-size:24px;cursor:pointer;float:right;color:var(--ink)}
.mob-drawer h2{font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--gray);margin:18px 0 6px;clear:both}
.mob-drawer ul{list-style:none}
.mob-drawer li a{display:block;padding:11px 4px;color:var(--ink);text-decoration:none;font-weight:600;font-size:15.5px;border-bottom:1px solid var(--line)}
@media(max-width:1100px){.nav-links>li>a{padding:10px 8px;font-size:14px}}
@media(max-width:768px){.nav-links{display:none}.hamburger{display:flex}.site-header .wrap{height:64px}.logo-link img{height:36px}}
/* hero + pagehead */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,var(--graph-d) 0%,var(--graph) 55%,#3A2A30 100%);overflow:hidden}
.hero:after,.pagehead:after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(214,41,62,.35),rgba(214,41,62,0) 70%);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(100deg,rgba(22,26,32,.92) 0%,rgba(22,26,32,.78) 55%,rgba(22,26,32,.55) 100%);z-index:-1}
.hero{padding:70px 0}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--crimson-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(--crimson)}
.badge-alt{background:var(--crimson-d);color:#fff;border:1px solid rgba(255,255,255,.55)}
.badge-alt:before{background:#fff}
.hero h1{font-size:clamp(30px,4.4vw,46px);margin-bottom:16px}
.hero h1 span{color:#FF8A98}
.hero p.sub{color:#E4E7EC;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:18px;flex-wrap:wrap;color:#DDE1E7;font-size:13.5px;font-weight:600}
.trustrow span:before{content:"✓ ";color:#FF8A98}
.tilegrid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.tile{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.16);color:#fff;border-radius:var(--r);padding:20px}
.tile.wide{grid-column:span 2;background:var(--crimson-d);border-color:transparent}
.tile .lbl{font-size:11.5px;text-transform:uppercase;letter-spacing:.06em;opacity:.8;margin-bottom:6px}
.tile b{font-family:'Sora',sans-serif;font-size:25px;display:block;line-height:1.2}
.tile .sub2{font-size:12.5px;opacity:.8}
.pagehead{padding:52px 0}
.pagehead .wrap{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center}
.crumb{color:#C3C8D1;font-size:13px;margin-bottom:12px}
.crumb a{color:#fff;text-decoration:none}
.crumb a:hover{text-decoration:underline}
.pagehead h1{font-size:clamp(28px,3.8vw,40px);margin-bottom:12px}
.pagehead p.sub{color:#E4E7EC;max-width:640px;font-size:16.5px}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap}
.chip{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:#fff;font-size:13px;font-weight:700;padding:6px 14px;border-radius:100px}
.chip:before{content:"✓ ";color:#FF8A98}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px;align-items:center}
.zips .zlbl{font-size:12.5px;color:#C3C8D1;font-weight:600}
.zip-chip{background:#fff;color:var(--crimson-d);font-weight:800;font-size:13.5px;padding:5px 13px;border-radius:100px}
.zip-chip.near{background:rgba(255,255,255,.14);color:#fff;border:1px solid rgba(255,255,255,.35)}
.herocall{background:rgba(22,26,32,.72);border:1px solid rgba(255,255,255,.18);border-radius:16px;padding:24px;text-align:center;min-width:250px}
.herocall .lbl{color:#C3C8D1;font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.herocall .num{font-family:'Sora',sans-serif;font-weight:800;font-size:24px;color:#fff;margin:6px 0 12px}
/* strips */
.strip{background:var(--tint);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:16px 24px;flex-wrap:wrap;gap:10px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem i{font-style:normal;color:var(--crimson-d);font-size:18px}
.emergency{background:var(--graph);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:22px}
.emergency p{font-size:14.5px;color:#C3C8D1}
/* sections */
.sec{padding:72px 0;background:#fff}
.sec.alt{background:var(--soft)}
.kick{color:var(--crimson-d);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec h2.big{font-size:clamp(26px,3.2vw,36px);margin:10px 0 30px}
main h2{font-size:clamp(23px,2.6vw,30px);margin:38px 0 14px}
main h2:first-child{margin-top:0}
main h3{font-size:18px;margin-bottom:6px}
main p{max-width:74ch}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main li{margin-left:20px}
/* two column + sidecard */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:40px;align-items:start}
article.prose h2{margin:38px 0 12px}
article.prose>h2:first-child{margin-top:0}
article.prose h3{margin:18px 0 8px}
.sidecard{background:var(--graph);color:#fff;border-radius:18px;padding:26px;position:sticky;top:24px;align-self:start}
.sidecard .kicker{display:inline-block;background:var(--crimson-d);color:#fff;font-size:11.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;padding:5px 11px;border-radius:100px;margin-bottom:12px}
.sidecard h3{font-size:19px;margin-bottom:6px;color:#fff}
.sidecard p{color:#C3C8D1;font-size:14px;margin-bottom:14px}
.sidecard ul{list-style:none;margin-top:14px;border-top:1px solid #3A414D;padding-top:12px}
.sidecard li{font-size:14px;padding:5px 0;margin-left:0}
.sidecard li:before{content:"✓ ";color:#FF8A98}
.sidecard .sidelink{display:block;margin-top:14px;color:#fff;font-size:14px}
@media(max-width:900px){.twocol,.hero .wrap,.pagehead .wrap{grid-template-columns:minmax(0,1fr)}.sidecard{position:static}.herocall{min-width:0}}
/* components */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.stile{border:1px solid var(--line);border-radius:16px;padding:22px;position:relative;background:#fff}
.stile .pill{position:absolute;top:18px;right:18px;background:var(--tint);color:var(--crimson-d);font-size:10.5px;font-weight:700;padding:4px 10px;border-radius:100px}
.stile .ic{width:44px;height:44px;background:var(--tint);border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:21px;margin-bottom:14px}
.stile h3{font-size:17px;margin-bottom:6px;padding-right:80px}
.stile p{font-size:14px;color:var(--gray);margin-bottom:12px}
.stile a{color:var(--crimson-d);font-weight:700;font-size:13.5px;text-decoration:none}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:16px;padding:24px;text-align:center;border:1px solid var(--line)}
.whycard .num{width:44px;height:44px;background:var(--graph);color:#fff;border-radius:12px;display:flex;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-weight:800;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:16.5px}
.whycard p{font-size:14px;color:var(--gray);margin:6px auto 0}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;margin:22px 0}
.steps:before{content:"";position:absolute;top:30px;left:12%;right:12%;height:2px;background:var(--line)}
.step{text-align:center;padding:0 14px;position:relative}
.step .n{width:60px;height:60px;border-radius:14px;background:var(--crimson-d);color:#fff;font-family:'Sora',sans-serif;font-weight:800;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;position:relative;z-index:2}
.step h3{font-size:16.5px}
.step p{font-size:14px;color:var(--gray);margin:6px auto 0}
.steps.n3{grid-template-columns:repeat(3,1fr)}
.steps.n5{grid-template-columns:repeat(5,1fr)}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin:18px 0}
.sign{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);padding:20px}
.sign h3{font-size:16.5px}
.sign p{font-size:14.5px;color:var(--gray);margin-top:6px}
.sign.prep{background:#fff;border-left:5px solid var(--crimson-d)}
.callout{background:var(--tint);border-left:5px solid var(--crimson-d);border-radius:12px;padding:20px 22px;margin:22px 0}
.callout h3{font-size:17px;color:var(--crimson-d)}
.callout p{font-size:15px}
.checklist{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 24px;margin:20px 0;box-shadow:0 8px 22px rgba(22,26,32,.05)}
.checklist h3{font-size:17px;margin-bottom:10px}
.checklist ul{list-style:none}
.checklist li{margin-left:0;padding:7px 0 7px 28px;position:relative;font-size:15px;border-top:1px solid var(--line)}
.checklist li:first-child{border-top:0}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--crimson-d);font-weight:800}
.table-wrap{overflow-x:auto;margin:22px 0;border:1px solid var(--line);border-radius:var(--r)}
table.cmp{width:100%;border-collapse:collapse;font-size:14.5px;min-width:560px}
.cmp th{background:var(--graph);color:#fff;text-align:left;padding:12px 14px;font-size:13px;letter-spacing:.03em}
.cmp td{padding:12px 14px;border-top:1px solid var(--line);vertical-align:top}
.cmp tr:nth-child(even) td{background:var(--soft)}
.costgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;margin:18px 0}
.ptile{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);padding:18px}
.ptile h3{font-size:15.5px;color:var(--crimson-d)}
.ptile p{font-size:14px;color:var(--gray);margin-top:5px}
.midcta{background:var(--crimson-d);border-radius:16px;color:#fff;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;margin:34px 0;flex-wrap:wrap}
.midcta h3{font-size:21px;color:#fff;margin:0}
.midcta p{font-size:14.5px;margin:4px 0 0}
.midcta .btn{background:var(--graph);box-shadow:none}
.insurepanel{background:var(--graph);color:#fff;border-radius:18px;padding:32px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center}
.insurepanel h3{font-size:24px;margin-bottom:8px;color:#fff}
.insurepanel p{font-size:15px;color:#C3C8D1;max-width:560px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:6px}
.areas a{background:#fff;border:1px solid var(--line);padding:14px;border-radius:12px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;text-align:center}
.areas a:hover{background:var(--tint)}
.faq{margin:12px 0}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{display:flex;justify-content:space-between;gap:14px;width:100%;text-align:left;background:none;border:0;padding:16px 0;font:700 16px 'Inter',sans-serif;color:var(--ink);cursor:pointer}
.faq-q:after{content:"+";font-size:22px;color:var(--crimson-d);line-height:1}
.faq-q[aria-expanded="true"]:after{content:"\2212"}
.faq-a{padding:0 0 16px}
.js .faq-a{max-height:0;overflow:hidden;padding:0;transition:max-height .25s ease}
.js .faq-item.open .faq-a{padding:0 0 16px}
.faq-a p{font-size:15px;color:#3B424D}
.localnote{background:var(--soft);border:1px solid var(--line);border-radius:var(--r);padding:22px 24px;margin:26px 0}
.localnote h2{margin-top:0;font-size:21px}
.byline{font-size:13.5px;color:#C3C8D1;margin-top:10px}
.blogcards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:10px}
.bcard{border:1px solid var(--line);border-radius:16px;overflow:hidden;background:#fff;display:flex;flex-direction:column}
.bcard img{width:100%;aspect-ratio:16/9;object-fit:cover}
.bcard .bc-body{padding:16px 18px 20px}
.bcard h2,.bcard h3{font-size:16.5px;margin:0 0 8px}
.bcard h2 a,.bcard h3 a{color:var(--ink);text-decoration:none}
.bcard h2 a:hover,.bcard h3 a:hover{color:var(--crimson-d)}
.bcard p{font-size:14px;color:var(--gray)}
.map-band{background:var(--soft);padding:48px 0}
.map-band h2{font-size:26px;margin-bottom:6px}
.map-band p{color:var(--gray);margin-bottom:16px;font-size:15px}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:16px;overflow:hidden;border:1px solid var(--line)}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-in{margin:24px 0}
.ctaband{background:var(--graph-d);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:clamp(26px,3.4vw,38px);margin-bottom:8px}
.ctaband p{font-size:17px;color:#C3C8D1;margin:0 auto 24px}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:40px;margin-bottom:12px}
.notfound p{margin:0 auto 22px}
.linklist{list-style:none;display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.linklist li{margin:0}
/* footer */
footer.site-footer{background:var(--graph-d);color:#C3C8D1;padding:54px 0 40px;font-size:14px}
.site-footer .wrap{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:28px}
.site-footer .foot-h{color:#fff;font-size:15px;margin-bottom:12px}
.site-footer a{color:#C3C8D1;text-decoration:none;display:block;margin-bottom:7px}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer p{max-width:36ch;margin-bottom:10px}
.site-footer .foot-logo img{height:40px;width:auto;margin-bottom:12px}
.site-footer .small{font-size:12.5px;color:#9AA1AD;margin-top:14px}
/* sticky bars */
.sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--crimson-d);z-index:50;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:15.5px;text-decoration:none}
.float-call{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--crimson-d);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;z-index:50;box-shadow:0 10px 24px rgba(214,41,62,.4)}
@media(max-width:768px){.sticky-cta{display:block}.float-call{display:none}body{padding-bottom:64px}}
@media(max-width:900px){.tiles,.why{grid-template-columns:1fr 1fr}.steps,.steps.n3,.steps.n5{grid-template-columns:1fr 1fr;row-gap:22px}.steps:before{display:none}.areas{grid-template-columns:1fr 1fr}.insurepanel{grid-template-columns:1fr}.blogcards{grid-template-columns:1fr 1fr}.site-footer .wrap{grid-template-columns:1fr 1fr}.boxgrid{grid-template-columns:1fr}.map-wrap{padding-bottom:62%}.dropmenu.wide{min-width:0}}
@media(max-width:560px){.tiles,.why,.blogcards,.steps,.steps.n3,.steps.n5{grid-template-columns:1fr}.site-footer .wrap{grid-template-columns:1fr}.hero{padding:48px 0}.sec{padding:52px 0}.tile b{font-size:21px}.wrap{padding:0 16px}.map-wrap{padding-bottom:85%}.stile h3{padding-right:0}.stile .pill{position:static;display:inline-block;margin-bottom:10px}}

.svclist{list-style:none;display:grid;grid-template-columns:repeat(2,1fr);gap:10px;margin:8px 0 26px}
.svclist li{margin:0}
.svclist a{display:block;border:1px solid var(--line);border-radius:12px;padding:14px 16px;font-weight:600;color:var(--ink);text-decoration:none;background:#fff}
.svclist a:hover{background:var(--tint)}
@media(max-width:560px){.svclist{grid-template-columns:1fr}}

article.prose{min-width:0}
.stile .sthumb{display:block;width:calc(100% + 44px);max-width:none;margin:-22px -22px 16px;aspect-ratio:16/9;object-fit:cover;border-radius:16px 16px 0 0}
.stile .pill{z-index:2}
.blogcards{margin-top:28px}
.areas+h3,.areas~h3{margin-top:26px}.areas~p{margin-top:14px}