:root{--indigo:#241468;--indigo-d:#180D47;--indigo-dd:#0F082E;--indigo-m:#4A35B5;--volt:#D4FF3D;--volt-d:#AFD91E;--gray:#565269;--line:#E8E4F5;--tint:#F0EDFA;--ink:#170F30;--bg:#FFFFFF;--soft-on-dark:#C4BCE0;--radius:16px}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;font-size:16px;color:var(--ink);background:var(--bg);line-height:1.65}
h1,h2,h3,h4{font-family:'Space Grotesk','Inter',system-ui,sans-serif;letter-spacing:-.02em;line-height:1.2}
img{max-width:100%;height:auto}
a{color:var(--indigo-m)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--volt);color:var(--indigo-dd);padding:10px 16px;font-weight:700;z-index:100}
.skip-link:focus{left:12px;top:12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--volt);color:var(--indigo-dd);font-weight:800;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:10px;box-shadow:0 10px 24px rgba(212,255,61,.3);border:2px solid transparent;line-height:1.2}
.btn:hover{background:var(--volt-d)}
.btn:focus-visible,a:focus-visible,summary:focus-visible,button:focus-visible{outline:3px solid var(--indigo-m);outline-offset:2px}
.btn-dark{background:var(--indigo);color:#fff;box-shadow:none}
.btn-dark:hover{background:var(--indigo-d)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.4);box-shadow:none}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-block{display:flex;width:100%}
.btn-sm{font-size:14px;padding:11px 20px}
/* topbar + nav */
.topbar{background:var(--indigo-dd);color:var(--soft-on-dark);font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px}
.topbar a{color:var(--volt);font-weight:700;text-decoration:none}
.navbar{background:#fff;box-shadow:0 1px 0 var(--line);position:relative;z-index:40}
.navbar .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo{display:flex;align-items:center;flex-shrink:0}
.logo img{height:36px;width:auto;display:block}
.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:600;font-size:14.5px;padding:10px 12px;background:none;border:0;cursor:pointer;font-family:inherit;display:inline-flex;align-items:center;gap:5px}
.navlinks>li>a:hover,.navlinks>li>button:hover{color:var(--indigo-m)}
.navlinks>li.hasdrop>button:after{content:"";border:4px solid transparent;border-top-color:currentColor;margin-top:4px}
.dropmenu{display:none;position:absolute;top:100%;left:0;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 40px rgba(15,8,46,.16);padding:8px;z-index:60;list-style:none}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14px}
.dropmenu a:hover{background:var(--tint);color:var(--indigo)}
.dropmenu .dropall a{color:var(--indigo-m);border-top:1px solid var(--line);border-radius:0;margin-top:4px;padding-top:12px}
.navlinks>li:hover>.dropmenu,.navlinks>li:focus-within>.dropmenu,.navlinks>li.open>.dropmenu{display:block}
.navcall{margin-left:8px}
.menu-toggle{display:none;background:var(--tint);border:0;width:46px;height:46px;border-radius:12px;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:5px}
.menu-toggle span{display:block;width:22px;height:2.5px;background:var(--indigo);border-radius:2px}
/* hero */
.hero{background:var(--indigo-dd);color:#fff;padding:74px 0;position:relative;isolation:isolate;overflow:hidden}
.hero:after{content:"";position:absolute;inset:0;background:radial-gradient(900px 420px at 85% 10%,rgba(74,53,181,.55),transparent 60%),radial-gradient(600px 300px at 5% 100%,rgba(212,255,61,.08),transparent 60%);z-index:-1}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative}
.has-hero{position:relative;isolation:isolate;overflow:hidden}
.has-hero .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(15,8,46,.92) 0%,rgba(15,8,46,.76) 55%,rgba(15,8,46,.5) 100%);z-index:-1}
.badge{display:inline-flex;align-items:center;gap:7px;background:rgba(212,255,61,.15);border:1px solid rgba(212,255,61,.4);color:var(--volt);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"\25CF";font-size:10px}
.badge-alt{background:var(--volt);border-color:var(--volt);color:var(--indigo-dd)}
.badge-alt:before{color:var(--indigo)}
.hero h1{font-size:clamp(29px,4.2vw,46px);margin-bottom:16px}
.hero h1 span{color:var(--volt)}
.hero p{color:var(--soft-on-dark);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 18px;flex-wrap:wrap;color:var(--soft-on-dark);font-size:13.5px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713  ";color:var(--volt)}
.gcard{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:26px}
.gcard h2{font-size:15px;color:var(--soft-on-dark);margin-bottom:16px;font-weight:600}
.growp{display:flex;justify-content:space-between;gap:14px;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:14px;color:#fff}
.growp:last-child{border-bottom:none}
.growp b{color:var(--volt);font-size:16px;text-align:right}
.strip{background:var(--tint);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}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px}
.stripitem .ic{color:var(--indigo);font-size:18px}
.emergency{background:var(--volt);padding:22px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2,.emergency h3{font-size:22px;color:var(--indigo-dd)}
.emergency p{font-size:14.5px;color:var(--indigo-dd)}
.emergency .btn{background:var(--indigo-dd);color:#fff;box-shadow:none}
/* sections */
.sec{padding:76px 0;background:#fff}
.sec-tint{background:var(--tint)}
.kick{color:var(--indigo-m);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase;display:block}
.sec h2{font-size:34px;margin:10px 0 18px}
.sec h3{font-size:20px;margin:22px 0 8px}
main p{font-size:16.5px;color:var(--ink);max-width:78ch;overflow-wrap:break-word}
main p + p{margin-top:14px}
main h2 + p,main h3 + p{margin-top:14px}
main ul,main ol{margin:14px 0 14px 22px;max-width:78ch}
main li{margin-bottom:6px}
main li::marker{color:var(--indigo-m)}
main ul.chips,main ul.trustrow{margin:16px 0 0 0;padding:0}
main ul.trustrow{margin-top:0}
.sec-head p{max-width:66ch}
.stack > * + *{margin-top:34px}
.block{scroll-margin-top:90px}
.insurepanel.solo{grid-template-columns:1fr}
.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(--radius);padding:26px}
.sec-tint .card{background:#fff}
.card.hasimg,.blogcard.hasimg{overflow:hidden}
.cardimg{display:block;margin:-26px -26px 18px}
.blogcard .cardimg{margin:-24px -24px 16px}
.cardimg img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;display:block}
.pfig{border-radius:var(--radius);overflow:hidden;box-shadow:0 10px 28px rgba(15,10,60,.14)}
.pfig img{width:100%;height:auto;aspect-ratio:16/9;object-fit:cover;display:block}
.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{font-size:18px;margin:0 0 8px}
.card p{font-size:15px;color:var(--gray);margin-bottom:10px}
.card p + p{margin-top:0}
.card a.more{color:var(--indigo-m);font-weight:700;font-size:14.5px;text-decoration:none}
.card a.more:hover{text-decoration:underline}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:22px}
.whycard{background:#fff;border-radius:var(--radius);padding:24px;text-align:center}
.whycard .num{width:44px;height:44px;background:var(--indigo);color:var(--volt);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:700;margin:0 auto 14px;font-size:18px}
.whycard h3{font-size:17px;margin:0 0 6px}
.whycard p{font-size:14.5px;color:var(--gray);margin:0 auto}
.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(--indigo);color:var(--volt);font-weight:700;font-size:22px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2;font-family:'Space Grotesk','Inter',sans-serif}
.step h3{font-size:17px;margin:0 0 6px}
.step p{font-size:14.5px;color:var(--gray);margin:0 auto}
.steps.cols3{grid-template-columns:repeat(3,1fr)}
.steps.cols5{grid-template-columns:repeat(5,1fr)}
.costgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:20px}
.costcard{border:1px solid var(--line);border-radius:var(--radius);padding:22px;background:#fff}
.costcard h3{font-size:17px;margin:0 0 6px;color:var(--indigo)}
.costcard p{font-size:15px;color:var(--gray)}
.costnote{margin-top:16px;font-style:italic;color:var(--gray)}
.insurepanel{background:var(--indigo-dd);color:#fff;border-radius:20px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin-top:20px}
.insurepanel h3{font-size:24px;margin:0 0 8px;color:var(--volt)}
.insurepanel p{font-size:15px;color:var(--soft-on-dark);max-width:560px}
.areas{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:20px}
.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(--indigo)}
.ctaband{background:var(--indigo-dd);color:#fff;padding:60px 0;text-align:center}
.ctaband h2{font-size:38px;margin-bottom:10px}
.ctaband p{font-size:17px;margin:0 auto 24px;color:var(--soft-on-dark)}
/* page head */
.pagehead{background:linear-gradient(120deg,var(--indigo-dd) 0%,var(--indigo) 100%);color:#fff;padding:54px 0;position:relative;isolation:isolate}
.pagehead .wrap{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center;position:relative}
.crumb{color:var(--soft-on-dark);font-size:13px;margin-bottom:12px}
.crumb a{color:var(--volt);text-decoration:none}
.crumb a:hover{text-decoration:underline}
.pagehead h1{font-size:clamp(26px,3.6vw,38px);margin-bottom:12px;max-width:22ch}
.pagehead.wide-h1 h1{max-width:30ch}
.pagehead p{color:var(--soft-on-dark);max-width:620px;font-size:17px}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap;list-style:none}
.chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.28);color:#fff;font-size:13px;font-weight:700;padding:7px 14px;border-radius:100px}
.chip:before{content:"\2713  ";color:var(--volt)}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:16px;align-items:center}
.zips-label{font-size:13px;font-weight:700;color:var(--soft-on-dark);margin-right:4px}
.zip-chip{background:var(--volt);color:var(--indigo-dd);border-radius:100px;padding:6px 14px;font-weight:800;font-size:13px}
.herocall{background:rgba(15,8,46,.75);border:1px solid rgba(255,255,255,.2);color:#fff;border-radius:16px;padding:24px;text-align:center;min-width:260px}
.herocall .lbl{color:var(--soft-on-dark);font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.herocall .num{font-family:'Space Grotesk','Inter',sans-serif;font-weight:700;font-size:24px;color:var(--volt);margin:6px 0 14px;display:block}
.meta-line{font-size:13.5px;color:var(--soft-on-dark);margin-top:14px}
/* two col + sidecard */
.twocol>*{min-width:0}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:44px;align-items:start}
.sidecard{background:var(--indigo-dd);color:#fff;border-radius:18px;padding:26px;position:sticky;top:24px;align-self:start}
.sidecard .kick{color:var(--volt);margin-bottom:10px}
.sidecard h3{font-size:20px;margin:0 0 8px;color:#fff}
.sidecard p{color:var(--soft-on-dark);font-size:14.5px;margin-bottom:16px}
.sidecard ul{list-style:none;margin:16px 0 0;border-top:1px solid #372A5F;padding-top:12px}
.sidecard li{font-size:14px;padding:5px 0;margin:0}
.sidecard li:before{content:"\2713  ";color:var(--volt)}
.sidecard .sidelink{display:block;margin-top:14px;color:var(--volt);font-weight:700;font-size:14px}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:18px}
.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)}
.midcta{background:var(--volt);border-radius:16px;color:var(--indigo-dd);padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;margin:38px 0}
.midcta h3{font-size:21px;margin:0}
.midcta p{font-size:15px;color:var(--indigo-dd);margin-top:4px}
.midcta .btn{background:var(--indigo-dd);color:#fff;box-shadow:none;flex-shrink:0}
.callout{border-left:5px solid var(--indigo-m);background:var(--tint);border-radius:0 14px 14px 0;padding:20px 24px;margin:22px 0}
.callout h3{font-size:18px;margin:0 0 8px}
.callout p{font-size:15.5px}
.callout-safety{border-left-color:#B42318;background:#FDF2F0}
.callout-safety h3{color:#8A1B10}
.prep{margin:30px 0}
.prep .cards{grid-template-columns:repeat(2,1fr)}
.prep .card{border-left:5px solid var(--indigo-m)}
.localnote{background:#fff;border:1px solid var(--line);border-top:5px solid var(--indigo-m);border-radius:var(--radius);padding:26px 28px;margin:34px 0}
.localnote h2,.sec .localnote h2{margin-top:0;font-size:26px}
.localnote .srcs{font-size:13.5px;color:var(--gray);margin-top:14px}
.localnote .srcs a{color:var(--indigo-m)}
.tablewrap{overflow-x:auto;margin:20px 0;border:1px solid var(--line);border-radius:14px;background:#fff}
.tablewrap table{border-collapse:collapse;width:100%;min-width:560px;font-size:15px}
.tablewrap caption{caption-side:top;text-align:left;font-weight:700;padding:14px 16px;font-family:'Space Grotesk','Inter',sans-serif;font-size:16px}
.tablewrap th{background:var(--indigo);color:#fff;text-align:left;padding:12px 16px;font-size:14px}
.tablewrap td{padding:12px 16px;border-top:1px solid var(--line);vertical-align:top;color:var(--ink)}
.tablewrap tr:nth-child(even) td{background:#FAF9FD}
.faq{margin-top:12px}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;font-weight:700;font-size:16.5px;padding:14px 28px 14px 0;list-style:none;position:relative;font-family:'Space Grotesk','Inter',sans-serif}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:4px;top:10px;font-size:24px;color:var(--indigo-m);font-weight:400}
.faq details[open] summary:after{content:"\2212"}
.faq .ans{padding:0 0 14px}
.faq .ans p{font-size:15.5px;color:var(--gray)}
.faqcall{margin-top:20px;font-size:16px}
.faqcall a{font-weight:800;color:var(--indigo)}
.related{margin-top:30px}
.map{margin:0}
.mapsec{background:var(--tint);padding:50px 0}
.mapsec h2{font-size:26px;margin-bottom:6px}
.mapsec p{margin-bottom:18px;color:var(--gray)}
.mapframe{width:100%;height:380px;border:0;border-radius:16px;display:block;background:var(--line)}
.mapframe.small{height:320px}
.hero-photo-note{display:none}
/* blog */
.postmeta{font-size:13.5px;color:var(--soft-on-dark);margin-top:14px}
.bloggrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:22px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;display:flex;flex-direction:column}
.blogcard .tag{font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--indigo-m)}
.blogcard h3{font-size:18px;margin:8px 0}
.blogcard h3 a{color:var(--ink);text-decoration:none}
.blogcard h3 a:hover{color:var(--indigo-m)}
.blogcard p{font-size:14.5px;color:var(--gray)}
.blogcard .more{margin-top:auto;padding-top:12px;font-weight:700;font-size:14px;color:var(--indigo-m);text-decoration:none}
/* footer */
footer{background:var(--indigo-dd);color:var(--soft-on-dark);padding:56px 0 30px;font-size:14.5px}
footer .wrap.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:32px}
footer h2{color:#fff;font-size:16px;margin-bottom:12px}
footer a{color:var(--soft-on-dark);text-decoration:none;display:block;margin-bottom:7px}
footer a:hover{color:var(--volt)}
footer .flogo img{height:38px;width:auto;display:block;margin-bottom:14px}
footer p{color:var(--soft-on-dark);font-size:14.5px;max-width:34ch}
footer address{font-style:normal;margin-top:12px;line-height:1.6;color:var(--soft-on-dark)}
footer .fcall{color:var(--volt);font-weight:800;font-size:18px}
footer .legal{border-top:1px solid #2F2358;margin-top:36px;padding-top:20px;font-size:13px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
footer .legal a{display:inline;margin:0 0 0 14px}
/* sticky call */
.stickybar{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--indigo-dd);z-index:50;padding:12px 16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.sticky-cta{border-top:2px solid var(--volt)}
.stickybar a{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--volt);font-weight:800;font-size:15.5px;text-decoration:none}
.floatcall{position:fixed;right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--volt);color:var(--indigo-dd);display:flex;align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 24px rgba(15,8,46,.35);z-index:45}
.floatcall:hover{background:var(--volt-d)}
.mobilemenu{display:none;background:#fff;border-top:1px solid var(--line);padding:14px 24px 24px;position:relative;z-index:39}
.mobilemenu.open{display:block}
.mob-drawer{box-shadow:0 12px 24px rgba(15,10,60,.12)}
.mobilemenu h2{font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--indigo-m);margin:16px 0 6px;font-family:'Inter',sans-serif}
.mobilemenu a{display:block;padding:11px 4px;color:var(--ink);font-weight:600;text-decoration:none;border-bottom:1px solid var(--line);font-size:16px}
.mobilemenu .btn{margin-top:16px;color:var(--indigo-dd);border-bottom:2px solid transparent}
.notfound{text-align:center;padding:90px 0}
.notfound h1{font-size:44px;margin-bottom:12px}
.notfound p{margin:0 auto 24px}
.legal-body h2{font-size:24px;margin:30px 0 8px}
.legal-body{max-width:820px;overflow-wrap:anywhere}
.srclist{list-style:none;margin:12px 0 0 0;padding:0}
.srclist li{font-size:14px;margin-bottom:6px}
@media(max-width:900px){
.hero .wrap,.twocol,.boxgrid,.insurepanel,.pagehead .wrap{grid-template-columns:minmax(0,1fr)}
.cards,.why,.bloggrid{grid-template-columns:1fr 1fr}
.steps,.steps.cols3,.steps.cols5{grid-template-columns:1fr 1fr;gap:24px 0}
.steps:before{display:none}
.areas{grid-template-columns:1fr 1fr}
.hero h1{font-size:34px}
.pagehead h1{font-size:30px;max-width:none}
footer .wrap.fgrid{grid-template-columns:1fr 1fr}
.sidecard{position:static}
.costgrid,.prep .cards{grid-template-columns:1fr}
.navlinks{display:none}
.menu-toggle{display:flex}
.stickybar{display:block}
.floatcall{display:none}
body{padding-bottom:64px}
.topbar .wrap{justify-content:center}
.topbar .tb-left{display:none}
.midcta{flex-direction:column;align-items:flex-start}
.sec{padding:56px 0}
.sec h2{font-size:28px}
}
@media(max-width:600px){
.cards,.why,.bloggrid,.steps,.steps.cols3,.steps.cols5,.areas,footer .wrap.fgrid{grid-template-columns:1fr}
.logo img{height:28px}
.wrap{padding:0 16px}
.navbar .wrap{height:68px}
.hero{padding:50px 0}
.hero h1{font-size:29px}
.pagehead{padding:40px 0}
.pagehead h1{font-size:26px}
.ctaband h2{font-size:28px}
.insurepanel{padding:24px}
.localnote{padding:20px}
.mapframe{height:300px}
.herocall{min-width:0}
}
@media print{.stickybar,.floatcall,.topbar,.mobilemenu{display:none}}